8145 SURF STREET, KISSIMMEE, FL, 34747
Active269 days on marketListed Nov 17, 2025MLS #O6361261
About this home
8145 SURF STREET
Incredible 6 Bedroom WATER FRONT cottage with private pool and spa located in the heart of Margaritaville Resort just 5 minutes from Disney! This immaculately kept, highly sought after floorplan, sits on a large, premium lot with spectacular sunset views. This FULLY FURNISHED spacious open floorplan has sweeping views of the lagoon from every inch of the downstairs main living area, 6 large bedrooms, with master bedrooms both down and upstairs. This cottage comes fully equip with a double height entry way, high end wood look tile, quartz countertops, wooden stairs, oversized private owners closet, high ceilings, WiFi thermostat that can be controlled from anywhere via your smart phone, a bonus room upstairs with a pool table for endless family fun, a large second story balcony overlooking the lagoon, and so much more! The spacious, fenced, outdoor patio features a large private pool and spa, and ample eating and entertaining space. This property can be used as a full time residence, second home, or short term rental property. This resort style community features two large swimming pools, multiple restaurants and bars, fitness center, full service spa, lush and tranquil walking trails to all ends of the community, as well as a moments walk to all of the restaurants, bars, shops and entertainment that Sunset Walk has to offer! Low maintenance resort living includes fully maintained grounds, weekly pool maintenance, lawn care, and 24/7 roaming and manned gated security entrance.
Facts & features
The home at a glance
6
Bedrooms
6
Bathrooms
3,563
Sqft
0.08 ac
Lot size
2020
Year built
Two
Levels
$358
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$9,667 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,667/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+100.3%
$/sqft vs Kissimmee actives
$358 vs $209
Days on market
269 vs 55 typical
Where $358/sqft sits among the 400 Kissimmee actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The investor lens
Two ways this home pays
This home sits inside Margaritaville, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,100/mo median
Live Kissimmee rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Margaritaville
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Margaritaville is a short-term-rental community. See the full guide →
The numbers that matter
The Kissimmee market
$365K → $350K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
190 of 400
Kissimmee actives have cut their price
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 236% above the Kissimmee median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 8145 SURF STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$700,000
7728 TEASCONE BOULEVARD
7 bd · 4 ba · 2,876 sqft · $243/sqft · 1 DOM
Sold · Nov ’25$630,000
2548 ARCHFELD BOULEVARD
6 bd · 4 ba · 2,812 sqft · $224/sqft · 217 DOM
Sold · Jun ’26$665,000
7793 BASNETT CIRCLE
6 bd · 4 ba · 2,812 sqft · $236/sqft · 111 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jillian Kobylesky
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8145 SURF STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8145 SURF STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8145 SURF STREET FAQs
What would the monthly payment be for 8145 SURF STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,667/mo — principal and interest, the actual property-tax bill, the $554/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 8145 SURF STREET?+
The association fee works out to $554 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8145 SURF STREET?+
The most recent tax bill on record (2024) was $19,146. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 8145 SURF STREET be rented short-term?+
Yes — this home sits inside Margaritaville, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 8145 SURF STREET?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Kissimmee?+
At $1,275,000, this home is listed about 236% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
The brief
Five things that matter here
01Positioned at the premium end
$1,275,000 runs 236% above the Kissimmee median — but at 3,563 sqft it's also nearly twice the size of the typical Kissimmee listing.
02Zoned for nightly rentals
Margaritaville is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
04Know the monthly fee
The association fee is $554/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
05Time on market is leverage
269 days on market against a Kissimmee median of 55 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Jenna Palmero. MLS #O6361261.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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