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Overview

3 bd3 ba1,890 sqft2 car garageTownhouse
TypeTownhouse
HOA$998.76/mo
Built1998
Lot4,784 sqft
Living area1,890 sqft
Price / sqft$328
Garage2 car

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

About this home

Ceiling Fans(s)Dry BarEat-in KitchenHigh CeilingsOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersSolid Wood Cabinets

431 Water St is a 1998-built home in Water Street Condo Ph 1, Celebration. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,890 square feet of living space. Listed at $619,000 (about $328/sqft), 29 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $998.76 monthly.

From the listing

Exceptional opportunity to own a beautifully renovated home just a 5-minute walk to Downtown Celebration, offering one of the most desirable locations in the community. Completely remodeled in 2024, this residence combines contemporary luxury with timeless elegance. The impressive living room features over 20-foot ceilings and a stunning floor-to-ceiling porcelain accent wall with modern wood slat detailing, creating a dramatic focal point. The custom staircase showcases stainless steel railings with stainless steel cable balusters, enhancing the home's sleek architectural design. The gourmet kitchen is equipped with quartz countertops, a built-in cooktop, microwave, and wall oven with Air Fryer functionality, making it ideal for both everyday living and entertaining. Quartz countertops continue throughout all bathrooms, providing a cohesive luxury finish. Additional highlights include a charming temperature-controlled wine bar with wine cooler, a spacious covered rear porch perfect for outdoor entertaining, and a two-car attached garage. This is a rare opportunity to own a fully updated home in one of Celebration's most sought-after locations, just moments from restaurants, shops, lakes, walking trails, and community events. The unit is rented until 01/31/2027 for, $4300 per month, an investor's dream.

The essentials

Built
1998
Price / sqft
$328
On market
29 days
Annual tax
$6,287
HOA
$998.76/mo
Flood zone
X · Low risk
Lot
4,784 sqft
Type
Townhouse

At a glance

Townhouse
Built 1998
Community pool
Fitness center too
2 car garage
4,784 sqft lot
Lot size
1,890 sqft
Living area

Payment

Est. monthly payment
$5,060/mo
Down payment (20%)
$123,800
Property taxes
$524/mo
HOA
$998.76/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
1998
Lot
4,784 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
29
Ceiling Fans(s)
Dry Bar
Eat-in Kitchen
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Walk-in Closet(s)
Balcony
Clubhouse
Community Mailbox
Dog Park
Fitness Center
Golf Carts OK
Golf
Park
Playground
Pool
Tennis Court(s)
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Gas Water Heater
Ice Maker
Microwave
Refrigerator
Washer
Wine Refrigerator
Elementary
Celebration K-8
Middle
Celebration K-8
High
Celebration High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,287
Parcel #
07-25-28-5420-0001-4310

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
Water Street Condo Ph 1
County
Osceola
MLS Area
34747 - Kissimmee/Celebration
Lot Size
4,784 sqft
HOA
$998.76/mo
Waterstreet at Celebration - Dennis

Price history

Date
Event
Price
9/13/2026
Listed for sale
Source: Stellar MLS #O6434329
$619,000
$328/sqft

Neighborhood

431 Water St
Celebration, FL, 34747 · 34747 - Kissimmee/Celebration

Market insights

Offer Insights

Choose an offer strength

List price: $619,000
$605,000 – $619,000
98% – 100% of listTops out right at the list price
80% of listList price
68 of the last 135 townhouse or villa closings in 34747 landed at this number or higher (50%). The median one sat 63 days before it went under contract, and this one is on day 29.

Sample: 135 closed townhouse or villa sales in 34747 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$5,061/mo
Principal & interest$3,228
Property taxes$524
Insurance$310
HOA$999
Down payment20% · $123,800
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

$619,000

$328 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,890 sq ft

Time on market

29 days

Year built

1998

Monthly payment

About $5,060/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,287 annual tax bill, insurance, and the $998.76/mo HOA fee.

HOA fee

$998.76/mo

Managed by Waterstreet at Celebration - Dennis.

Flood zone

Zone X

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

Offer

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Brokered byMS LAND & BUILDING LLCListing agent: Alex LeonardoListing data from Stellar MLS, MLS# O6434329.

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