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Overview

3 bd2 ba1,895 sqft3 car garageSingle Family
TypeSingle Family
HOA$195/mo
Built2012
Lot10,019 sqft
Living area1,895 sqft
Price / sqft$173
Garage3 car

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

About this home

Ceiling Fans(s)Kitchen/Family Room ComboDishwasherDryerMicrowaveRangeRange HoodRefrigerator

3609 Sail Harbor Dr is a 2012-built home in Isles/Bellalago Ph 02, Kissimmee. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,895 square feet of living space. Listed at $327,000 (about $173/sqft), 13 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $195 monthly.

From the listing

Welcome to 3609 Sail Harbor Dr, located in the beautiful Isles of Bellalago. This 3-bedroom, 2-bath home with a 3-car garage offers 1,895 square feet of living space in one of Kissimmee's resort-style, guard-gated communities. Conveniently located near shopping, restaurants, schools, Valencia College, medical facilities, and everyday essentials. Downtown Kissimmee, The Loop, Old Town, and Central Florida’s world-famous attractions are also within easy reach. Whether relaxing at home, enjoying the community amenities, or spending the day on the lake, 3609 Sail Harbor Dr offers the opportunity to enjoy the resort-style lifestyle Bellalago is known for. Schedule your private showing today!

The essentials

Built
2012
Price / sqft
$173
On market
13 days
Annual tax
$4,093
HOA
$195/mo
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 2012
3 car garage
10,019 sqft lot
Lot size
1,895 sqft
Living area

Payment

Est. monthly payment
$2,405/mo
Down payment (20%)
$65,400
Property taxes
$341/mo
HOA
$195/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2012
Lot
10,019 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
13
Ceiling Fans(s)
Kitchen/Family Room Combo
Dishwasher
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Bellalago Charter Academy (K-8)
Middle
Bellalago Charter Academy (K-8)
High
Liberty High

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

Flood Zone X
Annual Tax (2025)
$4,093
Parcel #
25-26-28-3518-0001-2120

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
Isles/Bellalago Ph 02
County
Osceola
MLS Area
34746 - Kissimmee (West of Town)
Lot Size
10,019 sqft
HOA
$195/mo
RAmos

Price history

Date
Event
Price
10/2/2026
Listed for sale
Source: Stellar MLS #S5158757
$327,000
$173/sqft

Neighborhood

3609 Sail Harbor Dr
Kissimmee, FL, 34746 · 34746 - Kissimmee (West of Town)

Market insights

Offer Insights

Choose an offer strength

List price: $327,000
$325,000 – $327,000
99.5% – 100% of listTops out right at the list price
80% of listList price
193 of the last 358 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 13.

Sample: 358 closed home sales in 34746 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,405/mo
Principal & interest$1,705
Property taxes$341
Insurance$164
HOA$195
Down payment20% · $65,400
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

$327,000

$173 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,895 sq ft

Time on market

13 days

Year built

2012

Monthly payment

About $2,405/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,093 annual tax bill, insurance, and the $195/mo HOA fee.

HOA fee

$195/mo

Managed by RAmos.

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?

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Brokered byTHE REALTY EXPERIENCE POWERED BY LRRListing agent: Milissa OgeerallyListing data from Stellar MLS, MLS# S5158757.

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