1970 Running Horse Trail, FL1970 Running Horse Trail, FL1970 Running Horse Trail, FL
Stellar MLS
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$440,000

1970 Running Horse TrailSt Cloud, FL 34771

Listing updated: October 12, 2026 at 5:17 PM ET

Active
Stellar MLSListing courtesy of La Rosa Realty Llc · Irena Aistrop · MLS #S5159280 · Active · 321-939-3748
3
Beds
2
Baths
2,297
Sq Ft
1
Acres
1990
Built
◆1 acres◆$192/sqft
Single Family Residence

Property type

1990

Year built

43,706 sqft

Lot size

$192

Price / sq ft

No HOA

HOA dues

0

Days on market

X

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

Principal & interest$2,225
Property taxes$202
Home insurance (est.)$202

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

  1. Status: Active
    Oct 12, 2026
  2. Listed$440,000
    Oct 12, 2026
  3. 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

ElementaryHarmony Community School (K-5)GreatSchools ↗
MiddleAHarmony MiddleGreatSchools ↗
High SchoolAHarmony HighGreatSchools ↗

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

RoomLevelDimensions
KitchenFirst100x8
DinetteFirst10x9
Living RoomFirst20x18
Dining RoomFirst18x9
Primary BedroomFirst14x13
Bedroom 2First11x11
Bedroom 3First11x11

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 riskFEMA Zone XPanel 12097C0285G

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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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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