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Overview

4 bd3 ba2,280 sqft2 car garageSingle Family
TypeSingle Family
HOA$286/qtr
Built2019
Lot4,792 sqft
Living area2,280 sqft
Price / sqft$217
Garage2 car

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

About this home

Kitchen/Family Room ComboCooktopDishwasher

3202 Surfbird St is a 2019-built home in Osprey Ridge, Kissimmee. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,280 square feet of living space. Listed at $495,000 (about $217/sqft), 177 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $286 quarterly.

From the listing

Welcome to this well kept 4 bedroom, 2.5 bath, in a perfect location less than 5 miles to Lake Nona and its conveniences without the hefty price. Tucked away in a boutique community with low HOA, this home offers privacy you'll appreciate. Enjoy a fully fenced backyard with no rear neighbors, backing up to conservation and private land the perfect setting to relax or entertain. Built with solid block construction on both levels for peace of mind. Location is a major win here right on the border of St. Cloud and Lake Nona, giving you quick access to Orlando’s top conveniences. You’re just minutes from great schools, major supermarkets, hospitals, and Orlando International Airport, making everyday living easy and efficient. If you’ve been looking for a move in ready home in a prime, fast growing area, this one checks all the boxes. Perfect timing to settle in for the summer.

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The essentials

Built
2019
Price / sqft
$217
On market
177 days
Annual tax
$4,159
HOA
$286/qtr
Flood zone
X · Low risk
Lot
4,792 sqft
Type
Single Family Residence

At a glance

Single family
Built 2019
2 car garage
4,792 sqft lot
Lot size
2,280 sqft
Living area

Payment

Est. monthly payment
$3,271/mo
Down payment (20%)
$99,000
Property taxes
$347/mo
HOA
$286/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2019
Lot
4,792 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
177
Kitchen/Family Room Combo
Cooktop
Dishwasher
Elementary
Boggy Creek Elem (K 5)
Middle
Narcoossee Middle
High
Tohopekaliga High School

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,159
Parcel #
06-25-31-4497-0001-0420

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
Osprey Ridge
County
Osceola
MLS Area
34744 - Kissimmee
Lot Size
4,792 sqft
HOA
$286/qtr
Artemis

Price history

Date
Event
Price
4/16/2026
Listed for sale
Source: Stellar MLS #O6399070
$495,000
$217/sqft

Neighborhood

3202 Surfbird St
Kissimmee, FL, 34744 · 34744 - Kissimmee

Market insights

Offer Insights

Choose an offer strength

List price: $495,000
$492,500 – $495,000
99.5% – 100% of listTops out right at the list price
80% of listList price
218 of the last 340 home closings in 34744 landed at this number or higher (64%). The median one sat 36 days before it went under contract, and this one is on day 177.

Sample: 340 closed home sales in 34744 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,271/mo
Principal & interest$2,582
Property taxes$347
Insurance$248
HOA$95
Down payment20% · $99,000
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 is the fee 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

$495,000

$217 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,280 sq ft

Time on market

177 days

Year built

2019

Monthly payment

About $3,271/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,159 annual tax bill, insurance, and the $286/qtr HOA fee.

HOA fee

$286/qtr

Managed by Artemis.

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 byEXP REALTY LLCListing agent: Mike PerezListing data from Stellar MLS, MLS# O6399070.

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