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Overview

3 bd2 ba1,235 sqft2 car garageSingle Family
TypeSingle Family
HOA$103/mo
Built2019
Lot8,965 sqft
Living area1,235 sqft
Price / sqft$194
Garage2 car

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

About this home

Open FloorplanVaulted Ceiling(s)Walk-in Closet(s)ClubhouseDeed RestrictionsFitness CenterPlaygroundPool

646 Bear CT is a 2019-built home in Poinciana Nbrhd 03 Village 03, Poinciana. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,235 square feet of living space. Listed at $239,000 (about $194/sqft), 26 days on market. Flood zone A - confirm flood insurance requirements with your lender. HOA runs $103 monthly.

From the listing

This property qualifies for a 5.625 rate with a lender. Please contact agent for more information. Back in the market buyers financing fell thru. Built in 2019 and still smelling brand new, this 3-bedroom, 2-bath home offers 1,286 sq ft of open-concept living on a spacious .21-acre lot. The open floor plan makes everyday living and entertaining effortless, while the low-maintenance modern build means more time enjoying the incredible community amenities and less time on upkeep. Village 3 residents enjoy access to a community pool, fitness center, and lighted adult baseball field, plus football, basketball, tennis, racquetball, and pickleball courts, a sand volleyball court, and a handball court. Families will love the two playgrounds (ages 3–6 and 7+), and pet owners get dual dog parks for large and small breeds. A true lock-and-leave lifestyle home in a community built for active living — schedule your showing today!

The essentials

Built
2019
Price / sqft
$194
On market
26 days
Annual tax
$2,631
HOA
$103/mo
Flood zone
A
Lot
8,965 sqft
Type
Single Family Residence

At a glance

Single family
Built 2019
Community pool
Fitness center too
2 car garage
8,965 sqft lot
Lot size
1,235 sqft
Living area

Payment

Est. monthly payment
$1,688/mo
Down payment (20%)
$47,800
Property taxes
$219/mo
HOA
$103/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2019
Lot
8,965 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
26
Open Floorplan
Vaulted Ceiling(s)
Walk-in Closet(s)
Clubhouse
Deed Restrictions
Fitness Center
Playground
Pool
Racquetball
Tennis Court(s)
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Washer
Homestead exemption on file Flood Zone A
Annual Tax (2025)
$2,631
Parcel #
28-27-24-934010-136090

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
Poinciana Nbrhd 03 Village 03
County
Polk
MLS Area
34759 - Kissimmee / Poinciana
Lot Size
8,965 sqft
HOA
$103/mo
Association of Poinciana

Price history

Date
Event
Price
9/15/2026
Listed for sale
Source: Stellar MLS #O6441911
$239,000
$194/sqft

Neighborhood

646 Bear CT
Poinciana, FL, 34759 · 34759 - Kissimmee / Poinciana

Market insights

Offer Insights

Choose an offer strength

List price: $239,000
$239,000
99.5% – 100% of listTops out right at the list price
80% of listList price
294 of the last 516 home closings in 34759 landed at this number or higher (57%). The median one sat 62 days before it went under contract, and this one is on day 26.

Sample: 516 closed home sales in 34759 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,688/mo
Principal & interest$1,246
Property taxes$219
Insurance$120
HOA$103
Down payment20% · $47,800
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

$239,000

$194 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,235 sq ft

Time on market

26 days

Year built

2019

Monthly payment

About $1,688/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,631 annual tax bill, insurance, and the $103/mo HOA fee.

HOA fee

$103/mo

Managed by Association of Poinciana.

Flood zone

Zone A

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byMAINFRAME REAL ESTATEListing agent: Jessica PolancoListing data from Stellar MLS, MLS# O6441911.

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