4430 Rummell Rd, Saint Cloud, FL, 34769
About This Home
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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1970
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Block
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Disposal,Electric Water Heater,Microwave,Range,Range Hood,Refrigerator
- Laundry features: Inside
Bathroom2
- Level: First
- Area: 36
- Dimensions: 6x6
Bedroom2
- Features: Built-in Closet
- Level: First
- Area: 130
- Dimensions: 13x10
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Bonus Room
- Features: No Closet
- Level: First
- Area: 144
- Dimensions: 12x12
Features
- Cathedral Ceiling(s),Ceiling Fan(s),Living Room/Dining Room Combo,Thermostat
- Flooring: Ceramic Tile,Luxury Vinyl
Florida Room
- Level: First
- Area: 240
- Dimensions: 20x12
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 1,408
- Total interior livable area: 900 sqft
Kitchen
- Level: First
- Area: 160
- Dimensions: 16x10
Living Room
- Level: First
- Area: 160
- Dimensions: 16x10
Primary Bathroom
- Level: First
- Area: 54
- Dimensions: 9x6
Primary Bedroom
- Features: Built-in Closet
- Level: First
- Area: 165
- Dimensions: 15x11
Workshop
- Level: First
Property
Details
- Parcel number: 0126304920000A0210
- Zoning: ORS3
- Special condition: None
Features
- Levels: One
- Stories: 1
- Exterior features: Other,Storage
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- On waterfront: Yes
- Waterfront features: Canal - Freshwater,Lake Front,Freshwater Canal Access,Lake Privileges,Lift
- Waterbody name: EAST LAKE TOHO &LAKE RUNNYMEDE
Lot
- Lot size: 0.25 Acres
- Lot size dimensions: 75 x 150
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Strong Wind
- Inland Flooding
- Tornado
- Hurricane
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Osceola County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,784 | $21,408 |
| Home Insurance * | $248 | $2,976 |
| Property Taxes | $82 | $984 |
| Electricity | $197 | $2,366 |
| Total | $2,311 | $27,732 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-12 | Price change | $369,000 |
| 2026-05-05 | Price change | $359,999 |
| 2026-03-13 | Price change | $369,999 |
| 2026-03-04 | Listed for sale | $375,000 |
| 2024-06-26 | Sold | $340,000 |
| 2024-05-29 | Pending sale | $340,000 |
| 2024-05-09 | Listed for sale | $340,000 |
| 1996-12-18 | Sold | $68,000 |
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