2649 Whalebone Bay Dr, photo 1
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Overview

4 bd3 ba1,660 sqft2 car garageSingle Family
TypeSingle Family
HOA$75/mo
Built1990
Lot4,748 sqft
Living area1,660 sqft
Price / sqft$223
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenSolid Surface CountersSolid Wood CabinetsPoolDishwasherDryerElectric Water Heater

2649 Whalebone Bay Dr is a 1990-built home in Bermuda Bay, Kissimmee. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,660 square feet of living space. Listed at $369,990 (about $223/sqft), 36 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $75 monthly.

From the listing

COMPLETELY REMODEL 4-bedroom, 3-full-bath home in the heart of Kissimmee! This beautiful property offers modern updates, comfortable living spaces, and plenty of versatility. The home features no carpet, eat in kitchen space, granite countertops, backsplash in kitchen and bathrooms, new sink, new garbage disposal and ALL APPLIANCES are included as well as wired CAMERA system. Roof was replaced in 2018, water heater 2021, the house was re-pipped in 2024, and is fully fenced. One of the property’s standout features is the attached studio/bonus space with its own private entrance, offering a full bathroom, kitchen, and a converted split A/C unit. This flexible space is perfect for guests, extended family, a home quite office, or additional living arrangements. Enjoy the benefits of LOW HOA fees and NO CDD, making this property even more appealing. The property also features beautiful moringa plants, plantain and lemon trees, adding a unique touch to the outdoor space. Conveniently located in the heart of Kissimmee, close to Disney World, Orlando International Airport, shopping, dining, major roads, entertainment, and everything Central Florida has to enjoy. This one checks all the boxes! A must-see property with exceptional versatility and value! I would not wait!

The essentials

Built
1990
Price / sqft
$223
On market
36 days
Annual tax
$2,000
HOA
$75/mo
Flood zone
X · Low risk
Lot
4,748 sqft
Type
Single Family Residence

At a glance

Single family
Built 1990
Community pool
Shared amenity
2 car garage
4,748 sqft lot
Lot size
1,660 sqft
Living area

Payment

Est. monthly payment
$2,357/mo
Down payment (20%)
$73,998
Property taxes
$167/mo
HOA
$75/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1990
Lot
4,748 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
36
Ceiling Fans(s)
Eat-in Kitchen
Solid Surface Counters
Solid Wood Cabinets
Pool
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Highlands Elem
Middle
Denn John Middle
High
Osceola 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)
$2,000
Parcel #
09-25-29-1084-0001-0510

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
Bermuda Bay
County
Osceola
MLS Area
34741 - Kissimmee (Downtown East)
Lot Size
4,748 sqft
HOA
$75/mo
Association Management Group of Central

Price history

Date
Event
Price
9/5/2026
Listed for sale
Source: Stellar MLS #O6439606
$369,990
$223/sqft

Neighborhood

2649 Whalebone Bay Dr
Kissimmee, FL, 34741 · 34741 - Kissimmee (Downtown East)

Market insights

Offer Insights

Choose an offer strength

List price: $369,990
$367,500 – $369,990
99.5% – 100% of listTops out right at the list price
80% of listList price
82 of the last 148 home closings in 34741 landed at this number or higher (55%). The median one sat 34 days before it went under contract, and this one is on day 36.

Sample: 148 closed home sales in 34741 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,356/mo
Principal & interest$1,930
Property taxes$167
Insurance$185
HOA$75
Down payment20% · $73,998
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

$369,990

$223 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,660 sq ft

Time on market

36 days

Year built

1990

Monthly payment

About $2,357/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,000 annual tax bill, insurance, and the $75/mo HOA fee.

HOA fee

$75/mo

Managed by Association Management Group of Central.

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 bySHAW SIGNATURE REListing agent: Damaris Ortiz PAListing data from Stellar MLS, MLS# O6439606.

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