


$440,000
1970 Running Horse TrailSt Cloud, FL 34771
Listing updated: October 12, 2026 at 5:17 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Virtually Staged. Rare no-HOA freedom on a full acre in Bay Lake Ranch: this updated 3-bedroom, 2-bathroom home comes with an air-conditioned bonus room, a huge carport, and room to park the boat, trailer, and RV other neighborhoods won’t allow. Set within a quiet St. Cloud community where every lot is a minimum of one acre, the property has no rear neighbors, offering the kind of privacy and elbow room that is increasingly hard to find in Central Florida. A long driveway leads to a covered front porch stretching nearly 25 feet across the home, a natural spot for morning coffee overlooking the lawn and mature shade trees. Inside, vaulted ceilings and rich wood-look flooring give the living room an open, airy feel, while fresh paint throughout creates a clean, move-in-ready canvas. The kitchen sits just off the living area and has been refreshed with a new stove and dishwasher, joined by a stainless steel refrigerator, a breakfast bar, and a bay-window breakfast nook that looks out over the yard. Toward the back of the home, a bright Florida room works beautifully as a dining space, with a brand-new sliding glass door opening onto a generous concrete patio. All three bedrooms sit together in their own wing, set apart from the main living areas for a quieter retreat at the end of the day. The primary suite offers two closets and an ensuite bathroom finished with two new separate vanities and a skylight that pulls in natural light. The two additional bedrooms each feature double closets and share a full bathroom, also updated with a new vanity. An indoor laundry room with shelving adds everyday convenience. One of the most versatile spaces here is the oversized former two-car garage, now an air-conditioned bonus room with French doors, ready to become a home gym, studio, game room, office, or hobby space. With the addition of a bathroom, it also has the potential to become an in-law suite. This space also houses the home’s water filtration system. Outside, the acre delivers room for just about everything. A massive carport of approximately 15' x 25' provides covered parking for vehicles, a boat, or a trailer, while a 14' x 9' workshop shed handles tools, equipment, and weekend projects. The partially fenced yard gives you a head start for pets or a garden, and with no HOA, you are free to park your RV, boat, and trailers right at home. Major systems offer real peace of mind: the roof and A/C are approximately five years old, the water heater is brand new, and the refrigerator is around five years old. A private well and septic system mean no city water or sewer bills. Bay Lake Ranch pairs a peaceful country setting with easy connections. US-192 is about 8 minutes away for shopping and dining, the St. Cloud lakefront is around 20 minutes, and Florida’s Turnpike is approximately 25 minutes. Lake Nona’s Medical City is roughly 35 minutes, Orlando International Airport about 40 minutes, Universal Orlando around 50 minutes, and both Walt Disney World and the Space Coast beaches are approximately 60 minutes away. Space, freedom, and a long list of updates make 1970 Running Horse Trail ready for whatever you have planned.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history0 days on market
- Status: ActiveOct 12, 2026
- Listed$440,000Oct 12, 2026
- Price increased$440,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 0
- Subdivision
- Bay Lake Ranch Unit 3
- County
- Osceola
- Year built
- 1990
- Living area
- 2,297 sq ft
- Price/sq ft
- $192
- Building area
- 2,473 sq ft (Public Records)
- Lot size
- 43,706 sq ft
- Lot category
- 1 to less than 2
- Flood zone
- X (12097C0285G)
- Annual taxes
- $2,418 (2025)
- Parcel #
- 18-26-32-2599-0001-2910
- Zoning
- OA1A
- MLS #
- S5159280
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Ceramic Tile, Vinyl
- Appliances
- Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Thermostat
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 0
- Attached garage
- No
- Parking features
- Driveway
- Carport
- Yes
HOA & Financial
- Total monthly fees
- None
- Total annual fees
- None
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 6 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- .
Exterior & Construction
- Exterior features
- Rain Gutters
- Construction materials
- Block, Wood Siding
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Septic Tank
- Water source
- Well
- Utilities
- Electricity Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 100x8 |
| Dinette | First | 10x9 |
| Living Room | First | 20x18 |
| Dining Room | First | 18x9 |
| Primary Bedroom | First | 14x13 |
| Bedroom 2 | First | 11x11 |
| Bedroom 3 | First | 11x11 |
Listing Details
- Listing date
- 2026-10-12
- On market date
- 2026-10-12
- Original list price
- $440,000
- Occupant type
- Tenant
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Osceola
- Status changed
- 2026-10-12
- Tax legal description
- BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 291 06/26/32
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Old Melbourne Hwy to left onto Bronco Dr. Left on Maverick Trail. Right on Running Horse.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of October 12, 2026 at 5:17 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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