2952 LUCAYAN HARBOUR CIRCLE UNIT 106, KISSIMMEE, FL, 34746
Pending225 days on marketListed Dec 29, 2025MLS #O6369811
About this home
2952 LUCAYAN HARBOUR CIRCLE UNIT 106
Price Reduced. Excellent opportunity for buyers and investors. Location, Location, Location! Beautiful 3-bedroom, 2-bath fully furnished townhome in Lucaya Village Resort, Kissimmee, FL — just minutes from Walt Disney World and Orlando’s top attractions. This move-in-ready home features an open floor plan, modern kitchen with stainless steel appliances, and a spacious master suite with private bath conveniently located on the first floor, offering comfort, privacy, and easy access to the main living areas Enjoy resort-style amenities, including a heated pool, fitness center, clubhouse, playground, and 24-hour gated security. Perfect as a vacation home, short-term rental investment, or primary residence. Located near shopping, dining, and major highways.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,300
Sqft
0.02 ac
Lot size
1
Garage
2007
Year built
One
Levels
$204
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.
$2,737 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,737/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−2.1%
Days on market
225 vs 55 typical
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 Lucaya Village, 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 Lucaya Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Lucaya Village is a short-term-rental community. See the full guide →
Lucaya Village — neighborhood snapshot
Population
82
Median age
33
Median income
$60,673
Median home value
$314,700
Avg household
3
Households w/ children
46%
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Kissimmee market
$365K → $350K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% below the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2952 LUCAYAN HARBOUR CIRCLE UNIT 106 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2952 LUCAYAN HARBOUR CIRCLE UNIT 106 — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2952 LUCAYAN HARBOUR CIRCLE UNIT 106 FAQs
What would the monthly payment be for 2952 LUCAYAN HARBOUR CIRCLE UNIT 106?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,737/mo — principal and interest, the actual property-tax bill, the $611/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 2952 LUCAYAN HARBOUR CIRCLE UNIT 106?+
The association fee works out to $611 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2952 LUCAYAN HARBOUR CIRCLE UNIT 106?+
The most recent tax bill on record (2024) was $3,460. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 2952 LUCAYAN HARBOUR CIRCLE UNIT 106 be rented short-term?+
Yes — this home sits inside Lucaya Village, 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 2952 LUCAYAN HARBOUR CIRCLE UNIT 106?+
The listing reports pets: Yes. 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 $265,000, this home is listed about 30% below the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2952 LUCAYAN HARBOUR CIRCLE UNIT 106?+
Kissimmee Middle School (middle), Celebration High School (high), Reedy Creek Elementary School (elementary) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the KISSIMMEE 34746 market on paper
$265,000 is 23% below the KISSIMMEE 34746 median of $345,450, and at $204/sqft it sits under the Kissimmee average of $216.
02Zoned for nightly rentals
Lucaya Village 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.
03Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
04Know the monthly fee
The association fee is $611/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
05Time on market is leverage
225 days on market against a Kissimmee median of 55 — sellers in this position are usually ready to negotiate.
Listing courtesy of COLDWELL BANKER REALTY · Rahman Pesciotta. MLS #O6369811.
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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