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About this home
1970 Running Horse Trail is a 1990-built home in Bay Lake Ranch Unit 3, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,297 square feet of living space. Listed at $440,000 (about $192/sqft), 5 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
Virtually Staged. Rare no-HOA freedom on 1 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 31' x 24' 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.
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Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Quick answers.
Price
$440,000
$192 per sq ft
Beds and baths
3 beds, 2 baths
Size
2,297 sq ft
Time on market
5 days
Year built
1990
Monthly payment
About $2,717/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,418 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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