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Overview

3 bd2 ba2,297 sqftSingle Family
TypeSingle Family
HOANone listed
Built1990
Lot43,706 sqft
Living area2,297 sqft
Price / sqft$192

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorThermostatRain GuttersDishwasher

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.

From the listing

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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The essentials

Built
1990
Price / sqft
$192
On market
5 days
Annual tax
$2,418
Flood zone
X · Low risk
Lot
43,706 sqft
Type
Single Family Residence

At a glance

Single family
Built 1990
1.00 acres
Lot size
2,297 sqft
Living area

Payment

Est. monthly payment
$2,717/mo
Down payment (20%)
$88,000
Property taxes
$202/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1990
Lot
43,706 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
5
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Thermostat
Rain Gutters
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Harmony Community School (K-5)
Middle
Harmony Middle
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,418
Parcel #
18-26-32-2599-0001-2910

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Bay Lake Ranch Unit 3
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
43,706 sqft

Price history

Date
Event
Price
10/12/2026
Listed for sale
Source: Stellar MLS #S5159280
$440,000
$192/sqft

Neighborhood

1970 Running Horse Trail
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $440,000
$437,500 – $440,000
99.5% – 100% of listTops out right at the list price
80% of listList price
303 of the last 469 home closings in 34771 landed at this number or higher (65%). The median one sat 37 days before it went under contract, and this one is on day 5.

Sample: 469 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,716/mo
Principal & interest$2,295
Property taxes$202
Insurance$220
Down payment20% · $88,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

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.

Offer

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Have another question?

Brokered byLA ROSA REALTY LLCListing agent: Irena AistropListing data from Stellar MLS, MLS# S5159280.

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