Single Family Residence at 1970 RUNNING HORSE TRAIL, ST CLOUD
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$440,000

1970 RUNNING HORSE TRAIL
ST CLOUD, FL 34771
Listed by Irena Aistrop · LA ROSA REALTY LLC
Bedrooms
3
Bathrooms
2
Living area
2,297 sqft
Year built
1990

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.

Property details

MLS #
MFRS5159280
Property type
Single Family Residence
Subdivision
BAY LAKE RANCH UNIT 3
Status
Active
Days on market
N/A
On market date
October 12, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
1 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
HARMONY COMMUNITY SCHOOL
3.14 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
910
Student:teacher ratio
17.5:1
District
OSCEOLA
Middle
HARMONY MIDDLE SCHOOL
4.4 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
944
Student:teacher ratio
19.7:1
District
OSCEOLA
High
HARMONY HIGH SCHOOL
4.08 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,594
Student:teacher ratio
24.2:1
District
OSCEOLA

Walkability

Blended score for ST CLOUD's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

16
Very car-dependent
out of 100
EPA National Walkability Index
5.2 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in ST CLOUD, from live MLS data.

On the market 0 days -- 110 fewer days than ST CLOUD's current average of 110 days.
For reference, the median list price across 1,899 active listings in ST CLOUD right now is $374,995.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,800/mo
$88,000 down
$352,000 loan
Principal & interest$2,283
Property tax (est.)$367
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 18 hr ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.