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Overview

4 bd3 ba2,123 sqft2 car garageSingle Family
TypeSingle Family
HOA$325/mo
Built2006
Lot11,389 sqft
Living area2,123 sqft
Price / sqft$169
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 KitchenHigh CeilingsPrimary Bedroom Main FloorSidewalkClubhouseGated Community - GuardPool

4039 Navigator Way is a 2006-built home in Bella Isle / Isles Of Bellalago, Kissimmee. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,123 square feet of living space. Listed at $359,000 (about $169/sqft), 396 days on market. Flood zone AE, X - confirm flood insurance requirements with your lender. HOA runs $325 monthly.

From the listing

SHORT SALE APPROVED: PRICE IMPROVEMENT – NOW $359,000! Experience the ultimate Florida lifestyle in the award-winning, guard-gated BellaLago community. This 4-bedroom, 2.5-bathroom home sits on an oversized conservation lot, offering total privacy and serene nature views. INVEST IN EQUITY: This home is being offered as a Short Sale at an incredible value. While it needs a little TLC to reach its full potential, the most expensive updates are already done for you, including BRAND NEW CARPET installed throughout the ENTIRE HOUSE (less than 6 months old)! THE HOME: Featuring soaring ceilings and an open-concept living area, the home is filled with natural light. The chef’s kitchen boasts quartz countertops, a large island, and stainless steel appliances. The first-floor Owner’s Retreat provides a private sanctuary with a spa-inspired ensuite. THE COMMUNITY: Enjoy resort-style living with an on-site restaurant, two pools, fitness centers, tennis courts, and a private boat ramp to Lake Tohopekaliga. THE OPPORTUNITY: Perfect for a buyer with a vision who wants to secure a move-in ready home significantly below market value. Please note: This is a short sale subject to third-party lender approval. Sold strictly AS-IS. Schedule your showing today and grab this equity before it's gone!

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The essentials

Built
2006
Price / sqft
$169
On market
396 days
Annual tax
$5,015
HOA
$325/mo
Flood zone
AE, X
Lot
11,389 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Community pool
Shared amenity
2 car garage
0.26 acres
Lot size
2,123 sqft
Living area

Payment

Est. monthly payment
$2,794/mo
Down payment (20%)
$71,800
Property taxes
$418/mo
HOA
$325/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
11,389 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
396
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Sidewalk
Clubhouse
Gated Community - Guard
Pool
Restaurant
Sidewalks
Street Lights
Dishwasher
Microwave
Range
Range Hood
Refrigerator
Middle
Discovery Intermediate
High
Liberty High

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

Flood Zone AE, X
Annual Tax (2024)
$5,015
Parcel #
25-26-28-2667-0001-0480

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
Bella Isle / Isles Of Bellalago
County
Osceola
MLS Area
34746 - Kissimmee (West of Town)
Lot Size
11,389 sqft
HOA
$325/mo
Desera Ramos

Price history

Date
Event
Price
8/17/2026
Price change
Source: Stellar MLS #P4936335
$359,000-9.1%
$169/sqft
-
Price change
Source: Stellar MLS #P4936335
$395,000-13.2%
$186/sqft
9/14/2025
Listed for sale
Source: Stellar MLS #P4936335
$455,000
$214/sqft

Neighborhood

4039 Navigator Way
Kissimmee, FL, 34746 · 34746 - Kissimmee (West of Town)

Market insights

Offer Insights

Choose an offer strength

List price: $359,000
$357,500 – $359,000
99.5% – 100% of listTops out right at the list price
80% of listList price
192 of the last 357 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 396 after a $96,000 cut.

Sample: 357 closed home sales in 34746 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,795/mo
Principal & interest$1,872
Property taxes$418
Insurance$180
HOA$325
Down payment20% · $71,800
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

$359,000

$169 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,123 sq ft

Time on market

396 days

Year built

2006

Monthly payment

About $2,794/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,015 annual tax bill, insurance, and the $325/mo HOA fee.

HOA fee

$325/mo

Managed by Desera Ramos.

Flood zone

Zone AE, X

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

Offer

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Brokered byFLORIDA REALTY MARKETPLACEListing agent: Janice TylerListing data from Stellar MLS, MLS# P4936335.

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