Welcome to this charming 2-bedroom, 2-bath waterfront home offering exceptional versatility and future potential. No HOA, endless customization possibilities, and a motivated seller willing to assist with closing costs, this is a unique opportunity that must be seen in person to truly appreciate. The enclosed, air-conditioned patio provides the opportunity to be converted into up to two additional bedrooms, while the detached shed complete with flooring and electrical can easily serve as a home office, studio, or additional bedroom. This property offers peaceful living with direct canal frontage and a functional boat lift but still close by to local shopping, dining, schools, and major roadways. Just minutes from historic downtown St. Cloud and the beautiful Lakefront Park on East Lake Tohopekaliga, and Ralph V Chisholm Regional Park. Residents can enjoy walking trails, playgrounds, restaurants, and community events throughout the year. With easy access to Kissimmee, Lake Nona, Orlando International Airport, and major highways including the Florida Turnpike, this home offers both convenience and lifestyle.
Single-familyProperty Type
1970Year Built
0.25 acresLot Size
$392Price/Sq.Ft.
Listed by Rafael Ortiz Pena• KELLER WILLIAMS LEGACY REALTY
Listed by Jenna Mueller• KELLER WILLIAMS ADVANTAGE 2 REALTY
Attention all investors or buyers looking for multi-generational living. This is a unique opportunity to acquire not only one, but TWO adjacent canal-front properties with direct access to both Lake Runnymede and Lake Tohopekaliga! These properties are turn-key, so you have lots of options: Live in one and rent out the other (monthly or Airbnb), rent out both, create a family winter retreat or just establish a waterfront legacy for generations to come. Sold separately. 4430 Rummel Rd was completely remodeled down to the studs in 2021. It’s a charming 900 sqft cottage with lots of BONUS space that adds more than 400 additional square feet of space in the main house. The open floorplan offers vaulted ceilings, high end LVP floors and modern fixtures. The beautiful kitchen features stainless appliances, granite countertops and a big center island that doubles as a dining room table. Down the hall, you’ll find two bedrooms & an updated bathroom with a walk-in shower. The master bedroom closet has IKEA PAX systems in place with extra touches for all your storage needs. The lanai/bonus room, also contains the laundry room and small bathroom with shower. In back, is a detached shed with ceiling fans and laminate flooring - that could be used as a home office or gym, as well as a boat lift on the canal. The adjacent property – 4440 Rummell Rd – is a larger bungalow coming in at just under 1300 sqftnand is listed separately for $370k Each property offers direct access to the canal with boat lifts, and the large lots offer plenty of room to park your boats, kayaks and jet skis. Start a garden too! These properties are located down the street from Lakefront Park and you can also walk to all the shopping & dining in downtown St. Cloud. Just 20 min from Lake Nona & the airport, with all the theme parks only half an hour from your front door.
Public Records
Dec 18, 1996
Sold
$68,000
$76/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$4,130 (+475.4%)
$69,600 + $160,900
$230,500
2024
$718 (+5.0%)
$69,600 + $160,900
$230,500
2023
$684 (+6.4%)
2022
$642 (+3.4%)
2021
$621 (+0.9%)
2020
$616 (−0.2%)
2019
$617
2018
$616 (−1.0%)
2017
$623 (+0.5%)
2016
$620 (−2.1%)
2015
$633 (−30.0%)
2014
$904 (+1.5%)
2013
$891 (+2.1%)
2012
$872
$30,000 + $35,400
$65,400
Public record
Public record
Zoning
Permits
Beds
2
Baths
1.5
Stories
1
Lot width
75 ft.
Lot depth
150 ft.
Lot size
0.25 Acres
Year renovated
1970
Finished Sq. Ft.
900
Unfinished Sq. Ft.
—
Total Sq. Ft.
900
Year built
1970
Style
Single Family Residential
County
Osceola County
APN
0126304920000A0210
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 10, 2026.
R-1A
Single-Family Dwelling District
These districts comprise certain lands, water, and structures having a low density of development; they are single-family residential in character and have additional open space where it is desirable and likely that such similar development will occur and continue. Uses are limited primarily to single-family dwellings and such nonresidential uses as are intended to provide service to the immediate and adjacent areas.
Permitted uses
Include but are not limited to:
Housing-Group
Housing-Single unit
Public service
Educational/school
Recreation
Golf related
Park & open space
Jul 25, 2018 • Final
Mechanical sub
Replace the heating and air conditioning system.
HVAC
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
4/10 Fire Factor
2% chance of being in a wildfire in next 30 years
9/10 Heat Factor
7 days above 108° expected this year, 23 days in 30 years
9/10 Wind Factor
99% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Saint Cloud, FL • 34769
Average low and high temperatures (°F)
69
49
75
55
80
60
83
65
90
72
91
74
91
75
91
76
89
75
83
69
78
60
74
56
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
94/ 100
Exceptional sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
10 hrs
7.7 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 4430 Rummell Rd
$341,384
$12K under list price of $353K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $255K to $425K.