3814 Bay Club Cir #204, photo 1
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Overview

2 bd2 ba910 sqftCondominium
TypeCondominium
HOA$435/mo
Built1988
Lot3,744 sqft
Living area910 sqft
Price / sqft$175

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

About this home

Ceiling Fans(s)GardenSidewalkStorageClubhouseFitness CenterPlaygroundPool

3814 Bay Club Cir #204 is a 1988-built home in Arbors Of Sendera, Kissimmee. Inside you'll find 2 bedrooms, 2 bathrooms, and 910 square feet of living space. Listed at $158,990 (about $175/sqft), 227 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $435 monthly.

From the listing

Excellent Opportunity! Huge Reduction! Seller very motivated!! Welcome to Arbors of Sendera! This beautifully maintained 2-bed, 2-bath condo bring comfortable and convenient Florida living in the heart of Kissimmee! This inviting second-floor home features an open-concept floor plan with a bright living area and a private balcony perfect for morning coffee or relaxing evenings. The well-appointed kitchen provides functional space and ample storage. Enjoy community amenities including a sparkling pool, tennis courts, playground, clubhouse, fitness center, and lush, landscaped grounds. Located just minutes from The Loop, shopping, dining, major highways, and local attractions, this home has easy access to everything. Perfect for first-time buyers, investors, or anyone looking for low-maintenance living! Don’t miss this opportunity — schedule your showing today! HOA includes maintenance structure; small pets welcome.

The essentials

Built
1988
Price / sqft
$175
On market
227 days
Annual tax
$2,286
HOA
$435/mo
Flood zone
X · Low risk
Lot
3,744 sqft
Type
Condominium

At a glance

Condo
Built 1988
Community pool
Fitness center too
910 sqft
Living area

Payment

Est. monthly payment
$1,534/mo
Down payment (20%)
$31,798
Property taxes
$191/mo
HOA
$435/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1988
Lot
3,744 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Off Street
Days on Market
227
Ceiling Fans(s)
Garden
Sidewalk
Storage
Clubhouse
Fitness Center
Playground
Pool
Dishwasher
Disposal
Dryer
Range
Refrigerator
Washer
Elementary
Kissimmee Elem
Middle
Kissimmee Middle
High
Osceola High School

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

Flood Zone X
Annual Tax (2025)
$2,286
Parcel #
18-25-29-1041-0022-2040

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
Arbors Of Sendera
County
Osceola
MLS Area
34741 - Kissimmee (Downtown East)
Lot Size
3,744 sqft
HOA
$435/mo
Gail Hatfield

Price history

Date
Event
Price
8/29/2026
Price change
Source: Stellar MLS #O6386706
$158,990-6.5%
$175/sqft
2/28/2026
Listed for sale
Source: Stellar MLS #O6386706
$169,990
$187/sqft

Neighborhood

3814 Bay Club Cir #204
Kissimmee, FL, 34741 · 34741 - Kissimmee (Downtown East)

Market insights

Offer Insights

Choose an offer strength

List price: $158,990
$158,990
99.5% – 100% of listTops out right at the list price
80% of listList price
54 of the last 81 condo closings in 34741 landed at this number or higher (67%). The median one sat 57 days before it went under contract, and this one is on day 227 after a $11,000 cut.

Sample: 81 closed condo sales in 34741 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,534/mo
Principal & interest$829
Property taxes$191
Insurance$79
HOA$435
Down payment20% · $31,798
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

$158,990

$175 per sq ft

Beds and baths

2 beds, 2 baths

Size

910 sq ft

Time on market

227 days

Year built

1988

Monthly payment

About $1,534/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,286 annual tax bill, insurance, and the $435/mo HOA fee.

HOA fee

$435/mo

Managed by Gail Hatfield.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byREALTY ONE GROUP EVOLUTIONListing agent: Milena NunezListing data from Stellar MLS, MLS# O6386706.

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