Cumbrian Lakes
Homes for Sale in Kissimmee, FL
All 2,933 homes for sale in Kissimmee, FL · median $373,400 · 569 homes for sale in 34746 · Osceola County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 10 closed sales in Cumbrian Lakes in Kissimmee, FL since 2016, the most recent in May 2026. Across Kissimmee as a whole, 2,431 homes closed in the last 12 months at a median of $387,990, 62 median days on market, with 1,223 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $5,910 ($5,310 with the full homestead exemption).

Cumbrian Lakes reads as a tight, single-era subdivision: all 240 homes were built within a five-year window between 2001 and 2005, with a median year built of 2003. That kind of consistency usually means comparable construction quality and lot layouts across the community, which simplifies pricing comparisons but also means there is little variation in home age to explain price spreads — condition, updates, and floor plan choice do most of that work instead.
The homestead share sits at just over 30 percent, meaning roughly two-thirds of homes here are not owner-occupied under Florida's homestead exemption. That points to a meaningful share of investment or non-primary-residence ownership, which can affect how quickly inventory turns and how consistently homes are maintained to owner-occupant standards. Buyers and sellers should treat this as a market with an active non-homestead segment, not an anomaly.
Nearby homes for sale
No active listings inside Cumbrian Lakes right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Cumbrian Lakes in Kissimmee is a compact, built-out community of 240 homes from the early 2000s, with a median living area of 2,240 square feet — solidly mid-sized for the era and typical of Osceola County subdivisions from that construction cycle.
Stellar MLS sales records identify 24 homes in Cumbrian Lakes that have changed hands since 2005, built between 2001 and 2004 (median 2003), with a median living area of about 1,902 sq ft and a typical 4-bedroom, 3.5-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Cumbrian Lakes is best for.
Best for
- Buyers who want a home built within a tight, known construction window (2001–2005) rather than a mixed-era subdivision
- Buyers comfortable verifying HOA and amenity details directly rather than relying on listing summaries
- Investment-minded buyers, given the sizable non-homestead share already present in the community
Probably not for
- Buyers who require a confirmed clubhouse, pool, or gated amenity package before touring
- Buyers seeking the widest possible range of architectural styles or build years within one neighborhood
- Buyers who want a community with a high concentration of owner-occupied, homestead-filed homes
The market around Cumbrian Lakes
Cumbrian Lakes is too small for its own price trend, so here is the market around it.
In ZIP 34746, 975 homes are on the market and 17% are under contract — a slower corner of Kissimmee.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
In ZIP 34746 (Kissimmee), 1,615 homes closed in the last 12 months at a median of $405K ($199/sq ft), down 4.5% year over year, with a median 67 days on market. Right now 421 active and 72 pending listings put supply at about 6.7 months — a buyer's market. See the live ZIP 34746 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Cumbrian Lakes specifically. Momentum Research analysis of MLS records.
The Cumbrian Lakes buying strategy.
If we were buying in Cumbrian Lakes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cumbrian Lakes.
A single-generation subdivision
Because every home in Cumbrian Lakes was built within the same five-year span, the community doesn't have the layered mix of eras you see in older Osceola neighborhoods. That narrows what actually separates one listing from another: square footage, lot position, and how well a given owner has maintained or updated the interior since 2003. A buyer comparing two listings here is largely comparing condition and floor plan, not construction generation.
Current MLS listings do not identify any community amenities for Cumbrian Lakes. That doesn't necessarily mean none exist, but it means buyers should verify directly — through HOA documents or a site visit — rather than assume a pool, clubhouse, or gated feature is part of the deal. With just over 30 percent of homes homestead-occupied, this is also a community where investment and rental activity plays a real role in turnover, which is worth factoring into any offer strategy or resale timeline.
The location and the amenities are priced into every listing in Cumbrian Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision this uniform in age, the real diligence is in the details MLS data doesn't fully capture — actual amenity status, HOA terms, and how the non-homestead share is affecting inventory right now. We verify those specifics directly before you write an offer, rather than relying on listing assumptions.
Cumbrian Lakes in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $175/month (about $2,100/yr) · median of 3 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $175 per month ($2,100 a year) — the median AssociationFee across 3 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Cumbrian Lakes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cumbrian Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cumbrian Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cumbrian Lakes home worth?
Get a no-obligation home value based on real comparable sales in Cumbrian Lakes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Kissimmee →
Should you buy in Cumbrian Lakes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2016 (10 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Cumbrian Lakes fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Cumbrian Lakes
Where is Cumbrian Lakes?
Cumbrian Lakes is a community in Kissimmee, Osceola County, Florida, ZIP 34746.
Are there homes for sale in Cumbrian Lakes right now?
No active listings inside Cumbrian Lakes at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Cumbrian Lakes have an HOA or CDD?
No HOA is on record for Cumbrian Lakes in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Cumbrian Lakes with Momentum Realty’s local guides.
Cumbrian Lakes Market Scorecard
Cumbrian Lakes is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34746 ZIP is $360,381, about 6.8% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.






