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Overview

4 bd3 ba2,123 sqft2 car garageSingle Family
TypeSingle Family
HOA$325/mo
Built2006
Lot8,756 sqft
Living area2,123 sqft
Price / sqft$172
Garage2 car

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About this home

Ceiling Fans(s)Open FloorplanSidewalkDishwasherDisposalMicrowaveRefrigerator

4089 Navigator Way is a 2006-built home in Isles Of Bellalago, Kissimmee. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,123 square feet of living space. Listed at $365,000 (about $172/sqft), 68 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $325 monthly.

From the listing

Welcome to this beautifully maintained two-story home at 4089 Navigator Way in the gated, resort-style Isles of Bellalago community in Kissimmee. A charming stucco exterior with a tile roof, mature palm trees, lush tropical landscaping, and a paver driveway leading to a two-car garage set the tone from the curb. Inside, a soaring two-story great room with tile flooring and a staircase overlooking the main living area, which opens to a large kitchen featuring espresso cabinetry, granite countertops, a tiled backsplash, a center island, stainless steel appliances, a built-in wine rack above the refrigerator, and a breakfast bar that flows into a casual dining nook, all bathed in natural light from sliding glass doors leading to the backyard. The spacious primary suite offers rich wood-look flooring, a ceiling fan, generous windows dressed with drapery, and a private en-suite bath with dual sink vanity, a garden soaking tub, and a separate glass-enclosed shower, while additional bedrooms provide comfortable, flexible living space. A dedicated interior laundry room comes equipped with a full-size washer and dryer and ample cabinet storage, adding everyday convenience. Step outside to a generously sized, fully fenced backyard bordered by a privacy wall and mature trees, offering plenty of room for a fire pit gathering area, outdoor entertaining, and relaxing under the Florida sky. This home grants access to the celebrated Bellalago lifestyle, which includes multiple resort-style community pools, a clubhouse, two fitness centers, yoga and Zumba classes, a waterfront restaurant, walking and nature trails, boat ramp access to the Alligator Lake chain for boating and fishing enthusiasts, and 24-hour manned security, all within the 34746 area of Kissimmee just minutes from US-192, Osceola Parkway, and the Florida Turnpike.

The essentials

Built
2006
Price / sqft
$172
On market
68 days
Annual tax
$5,391
HOA
$325/mo
Flood zone
X · Low risk
Lot
8,756 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
2 car garage
8,756 sqft lot
Lot size
2,123 sqft
Living area

Payment

Est. monthly payment
$2,861/mo
Down payment (20%)
$73,000
Property taxes
$449/mo
HOA
$325/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
8,756 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
68
Ceiling Fans(s)
Open Floorplan
Sidewalk
Dishwasher
Disposal
Microwave
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,391
Parcel #
25-26-28-2667-0001-0850

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
Isles Of Bellalago
County
Osceola
MLS Area
34746 - Kissimmee (West of Town)
Lot Size
8,756 sqft
HOA
$325/mo
FIRST SERVICE RESIDENTIAL

Price history

Date
Event
Price
9/15/2026
Price change
Source: Stellar MLS #O6430859
$365,000-2.7%
$172/sqft
8/5/2026
Listed for sale
Source: Stellar MLS #O6430859
$375,000
$177/sqft

Neighborhood

4089 Navigator Way
Kissimmee, FL, 34746 · 34746 - Kissimmee (West of Town)

Market insights

Offer Insights

Choose an offer strength

List price: $365,000
$362,500 – $365,000
99.5% – 100% of listTops out right at the list price
80% of listList price
194 of the last 361 home closings in 34746 landed at this number or higher (54%). The median one sat 34 days before it went under contract, and this one is on day 68 after a $10,000 cut.

Sample: 361 closed home sales in 34746 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,860/mo
Principal & interest$1,904
Property taxes$449
Insurance$183
HOA$325
Down payment20% · $73,000
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 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

$365,000

$172 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,123 sq ft

Time on market

68 days

Year built

2006

Monthly payment

About $2,861/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,391 annual tax bill, insurance, and the $325/mo HOA fee.

HOA fee

$325/mo

Managed by FIRST SERVICE RESIDENTIAL.

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?

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Brokered byKELLER WILLIAMS LEGACY REALTYListing agent: Franklin MateoListing data from Stellar MLS, MLS# O6430859.

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