Kat Bonelli
$195,000$225,000$1,895 /mo all-in ↓

374 BEAR TRAIL, RIVER RANCH, FL, 33867

Active403 days on marketListed Jun 13, 2025MLS #TB8395983

Reduced $30KOUTDOOR RESORTS RIVER RANCH RV RESORT PH 03

About this home

374 BEAR TRAIL

Buy an RV Lot in Central FL! WELCOME TO RIVER RANCH, Florida’s Luxury RV Resort with access to Lake Kissimmee! This RV Lot offers the perfect mix of sun & shade and is ideal for weekend escapes, snowbird season, or vacation fun in the Florida sun! Situated on a Large Corner, this RV Lot offers privacy on ALL sides! The service side of the RV is fully private with lush landscaping, the front living side offers a firepit, a pergola with hanging swing chairs, a picnic table, a shed and a nice size newly sodded grassy area! There are hedges surrounding the Lot which provide amazing privacy! BONUS: There is a separate vehicle parking space! No need to crowd your RV with cars and golf carts! They have their own space! Another BONUS: steps to laundry, bathhouse, pool and pickleball! The location on this lot is excellent and Phase 3 is highly desirable! These RV Lots are fee-simple ownership and are Deeded Lots which means NO lot rent, you own the land! Looking for entertain and fun? River Ranch offers it here!! For starters, there is a LIVE Rodeo every Saturday night – an excellent display of showmanship and fun for the entire family! There is even a Saloon (family friendly), with LIVE bands, DJs, dance parties and they give line dancing lessons for free. Enjoy the NEW Waterpark with slides, splash pad, pool, cabanas, food, bar and more! There is an adventure park which has a bounce house, mechanical bull, climbing tower, Arcade, mini golf, outside movie on the greens, bicycle rentals, airboat rides, river boat rides, swamp buggy, hayrides, petting farm, trap & skeet range and a bow target for shooting. There are several places to eat on property. The River Ranch Chop House serving delicious food and drinks, a waterfront Smokehouse Grill serving delicious BBQ, a pizza shop and an ice cream and coffee shop (serving Starbucks.) There is also a General store and a Western store to grab all of your favorite Cowboy/Cowgirl finds! Watch the Bison, Steers, Horses and other wildlife! Don’t forget to check out the Petting Farm!!

Facts & features

The home at a glance

0.08 ac

Lot size

Pets allowed

Inside

Outside & construction

Community & fees

HOA fee$314/mo
Taxes (2025)$2,236/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Available · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$1,895 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,148
FHA mortgage insurance (est.)$86
Property tax — 2025 actual bill$186
HOA fee — from the listing$314
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,825Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $6,825
Interest rate6.00%
Loan term

Estimated payment

$1,895/mo

Principal & interest$1,148
FHA mortgage insurance (est.)$86
Property taxes (actual bill)$186
HOA / condo fee$314
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside River Ranch

Map of 374 BEAR TRAIL

Get to know River Ranch. See the full River Ranch guide →

RIVER RANCH 33867 — neighborhood snapshot

Population

64

Median age

69.8

Avg household

1.21

For the school run

Polk County School District

ElementaryFrostproof Ben Hill Griffin Junior Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The River Ranch market

Seller’s marketLeans buyer7.5 months of inventoryBuyer’s market

$237K$181K

River Ranch median sold, yr/yr

92.8%

Sale-to-list ratio (12 mo)

Median sold price, River Ranch, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 20% above the RIVER RANCH 33867 median. See the full River Ranch market guide →

Paper trail

This home's history

CurrentPrice reduced to $195,000 $30K
Jun 13, 2025Listed at $225,000 · 403 days on market since

Reality check

What actually sold near 374 BEAR TRAIL

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

47 PALAMINO PATHSold · Apr ’26

$160,000

47 PALAMINO PATH

1 bd · 1 ba · 480 sqft · $333/sqft · 81 DOM

3200 RIVER RANCH BOULEVARD UNIT 303Sold · Jun ’26

$142,000

3200 RIVER RANCH BOULEVARD UNIT 303

1 bd · 1 ba · 555 sqft · $256/sqft · 233 DOM

3200 RIVER RANCH BOULEVARD UNIT 204Sold · Oct ’25

$162,000

3200 RIVER RANCH BOULEVARD UNIT 204

1 bd · 1 ba · 629 sqft · $258/sqft · 388 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 374 BEAR TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 374 BEAR TRAIL — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Kat's phone and CRM.

Goes straight to Kat’s phone and CRM.

Straight answers

374 BEAR TRAIL FAQs

What would the monthly payment be for 374 BEAR TRAIL?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,895/mo — principal and interest, the actual property-tax bill, the $314/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 374 BEAR TRAIL?+

The association fee works out to $314 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 374 BEAR TRAIL?+

The most recent tax bill on record (2025) was $2,236. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 374 BEAR TRAIL?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in River Ranch?+

At $195,000, this home is listed about 40% above the River Ranch median of $139,000. The market section on this page shows how the area is trending.

Which schools are assigned to 374 BEAR TRAIL?+

Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$195,000 runs 20% above the RIVER RANCH 33867 median.

02Time on market is leverage

403 days on market against a River Ranch median of 130 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $225,000, now $195,000 — a $30K cut. The full history is in the market section below.

Listing courtesy of FUTURE HOME REALTY INC · Michelle Chandler. MLS #TB8395983.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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