3849 Bay Club Cir #204, photo 1
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Overview

2 bd2 ba910 sqftCondominium
TypeCondominium
HOA$429/mo
Built1989
Lot3,738 sqft
Living area910 sqft
Price / sqft$143

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

About this home

Ceiling Fans(s)BalconyAssociation Recreation - OwnedDeed RestrictionsFitness CenterPlaygroundPoolTennis Court(s)

3849 Bay Club Cir #204 is a 1989-built home in Arbors Of Sendera Condo, Kissimmee. Inside you'll find 2 bedrooms, 2 bathrooms, and 910 square feet of living space. Listed at $129,990 (about $143/sqft), 204 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $429 monthly.

From the listing

MOVE-IN READY | GATED COMMUNITY | PRIME KISSIMMEE LOCATION | PERFECT AS A PRIMARY HOME OR INVESTMENT 2-bedroom, 2-bath condominium located on the second floor of the desirable gated Arbors of Sendera community in the heart of Kissimmee. Perfect as a primary residence, seasonal getaway, or investment opportunity, this beautifully maintained home features an open and functional floor plan with a spacious living and dining room combination filled with natural light, creating the perfect space for relaxing or entertaining. The kitchen offers generous cabinet storage, a closet pantry, and an efficient layout designed for everyday living. The spacious primary suite includes a private en-suite bathroom with a walk-in shower, while the second bedroom and full guest bathroom provide comfort and flexibility for family, guests, or a home office. Step outside to your private screened balcony, an ideal place to enjoy your morning coffee or unwind after a long day. Residents enjoy outstanding community amenities including a swimming pool, fitness center, tennis courts, playground, and beautifully maintained grounds. Location is everything, and this home delivers! Conveniently situated just minutes from US-192, John Young Parkway, Osceola Parkway, Florida's Turnpike, and SR-417, providing quick access throughout Central Florida. Enjoy being close to The Loop shopping district, Publix, Walmart Neighborhood Market, Target, Home Depot, The Florida Mall, countless restaurants, shopping, entertainment, medical offices, and Osceola Regional Medical Center. World-renowned attractions including Walt Disney World, Disney Springs, Universal Orlando Resort, SeaWorld Orlando, and Orlando International Airport are all within an easy drive. Combining comfort, convenience, and an unbeatable location, this move-in-ready condo offers exceptional value in one of Central Florida's most desirable areas. Schedule your private showing today!

The essentials

Built
1989
Price / sqft
$143
On market
204 days
Annual tax
$2,395
HOA
$429/mo
Flood zone
X · Low risk
Lot
3,738 sqft
Type
Condominium

At a glance

Condo
Built 1989
Community pool
Fitness center too
Private balcony
Outdoor space
910 sqft
Living area

Payment

Est. monthly payment
$1,372/mo
Down payment (20%)
$25,998
Property taxes
$200/mo
HOA
$429/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1989
Lot
3,738 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
None
Days on Market
204
Ceiling Fans(s)
Balcony
Association Recreation - Owned
Deed Restrictions
Fitness Center
Playground
Pool
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Range
Range Hood
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,395
Parcel #
18-25-29-1041-0039-2040

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
Arbors Of Sendera Condo
County
Osceola
MLS Area
34741 - Kissimmee (Downtown East)
Lot Size
3,738 sqft
Private
HOA
$429/mo
Gail Hatfield

Price history

Date
Event
Price
9/17/2026
Price change
Source: Stellar MLS #S5146820
$129,990-18.8%
$143/sqft
-
Price change
Source: Stellar MLS #S5146820
$160,000-9.0%
$176/sqft
3/28/2026
Listed for sale
Source: Stellar MLS #S5146820
$175,900
$193/sqft

Neighborhood

3849 Bay Club Cir #204
Kissimmee, FL, 34741 · 34741 - Kissimmee (Downtown East)

Market insights

Offer Insights

Choose an offer strength

List price: $129,990
$129,000 – $129,990
99.5% – 100% of listTops out right at the list price
80% of listList price
56 of the last 83 condo closings in 34741 landed at this number or higher (67%). The median one sat 57 days before it went under contract, and this one is on day 204 after a $45,910 cut.

Sample: 83 closed condo sales in 34741 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,372/mo
Principal & interest$678
Property taxes$200
Insurance$65
HOA$429
Down payment20% · $25,998
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 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

$129,990

$143 per sq ft

Beds and baths

2 beds, 2 baths

Size

910 sq ft

Time on market

204 days

Year built

1989

Monthly payment

About $1,372/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,395 annual tax bill, insurance, and the $429/mo HOA fee.

HOA fee

$429/mo

Managed by Gail Hatfield.

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 byCOLDWELL BANKER REALTYListing agent: Lisbeth Diaz De RicoListing data from Stellar MLS, MLS# S5146820.

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