431 Waterway Dr, photo 1
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Overview

0 baLand
TypeLand
HOA$942/qtr
Lot3,197 sqft

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About this home

431 Waterway Dr is a home in Outdoor Resorts River Ranch Rv Resort Ph 05a, River Ranch. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $942 quarterly.

From the listing

Experience the ultimate Florida lifestyle at 431 Waterway Drive, a rare turnkey opportunity featuring a direct waterfront lot and RV package deal! Situated in the highly coveted Phase 5 of River Ranch RV Resort, this spacious 40x92 big-rig friendly lot is move-in ready for personal use or immediate rental income. RV: 2021 Keystone Retreat Cottage - 391MKTS | 40’8” Golf Cart: 2021 Yamaha 6 Seater | GAS. A true boater’s dream, the property includes a private dock with direct access to the world-class Kissimmee Chain of Lakes. The expansive outdoor living space is anchored by a massive custom pavilion for all-weather camping, complemented by multiple seating areas, mature shade trees, and a full-sized storage shed. This premium lot offers enhanced privacy with a common area directly across the street, ensuring no immediate front neighbors. River Ranch is Florida’s premier luxury RV destination located just one hour south of Orlando. The all-inclusive $942 quarterly HOA covers water, sewer, cable, internet, lawn care, trash, and 24/7 gated security. Owners enjoy exclusive access to a private lounge, billiards, poker room, and fitness center, while the resort offers endless entertainment including weekly live rodeos, a saloon with live bands, a waterpark, petting farm, and an adventure park. On-site dining options range from fine dining at the Chop House to waterfront BBQ and a Starbucks-serving coffee shop. Whether you are a snowbird or an investor, this pet-friendly paradise with no RV restrictions is a perfect fit.

The essentials

On market
226 days
Annual tax
$2,298
HOA
$942/qtr
Flood zone
X · Low risk
Lot
3,197 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$2,557/mo
Down payment (20%)
$71,800
Property taxes
$191/mo
HOA
$942/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
3,197 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
226
Flood Zone x
Annual Tax (2025)
$2,298
Parcel #
31-31-23-996015-014310

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
Outdoor Resorts River Ranch Rv Resort Ph 05a
County
Polk
MLS Area
33867 - River Ranch / Lake Wales
Lot Size
3,197 sqft
HOA
$942/qtr
Manager

Price history

Date
Event
Price
3/1/2026
Listed for sale
Source: Stellar MLS #TB8480698
$359,000

Neighborhood

431 Waterway Dr
River Ranch, FL, 33867 · 33867 - River Ranch / Lake Wales

Calculator

Est. monthly payment
$2,557/mo
Principal & interest$1,872
Property taxes$191
Insurance$180
HOA$314
Down payment20% · $71,800
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%. HOA includes any condo dues reported on the listing. 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

$359,000

Time on market

226 days

Monthly payment

About $2,557/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,298 annual tax bill, insurance, and the $942/qtr HOA fee.

HOA fee

$942/qtr

Managed by Manager.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byFUTURE HOME REALTY INCListing agent: Michelle ChandlerListing data from Stellar MLS, MLS# TB8480698.

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