3202 SURFBIRD STREET, KISSIMMEE, FL, 34744
Active120 days on marketListed Apr 16, 2026MLS #O6399070
About this home
3202 SURFBIRD STREET
Welcome to this well kept 4 bedroom, 2.5 bath, in a perfect location less than 5 miles to Lake Nona and its conveniences without the hefty price. Tucked away in a boutique community with low HOA, this home offers privacy you'll appreciate. Enjoy a fully fenced backyard with no rear neighbors, backing up to conservation and private land the perfect setting to relax or entertain. Built with solid block construction on both levels for peace of mind. Location is a major win here right on the border of St. Cloud and Lake Nona, giving you quick access to Orlando’s top conveniences. You’re just minutes from great schools, major supermarkets, hospitals, and Orlando International Airport, making everyday living easy and efficient. If you’ve been looking for a move in ready home in a prime, fast growing area, this one checks all the boxes. Perfect timing to settle in for the summer.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,280
Sqft
0.11 ac
Lot size
2
Garage
2019
Year built
Two
Levels
$217
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.
$3,735 /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
$3,735/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
−28.2%
$/sqft vs Kissimmee actives
$217 vs $208
Days on market
120 vs 55 typical
Where $217/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.
Where it sits
Inside Kissimmee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
KISSIMMEE 34744 — neighborhood snapshot
Population
62,756
Median age
37.9
Median income
$69,837
Median home value
$326,700
Avg household
2.99
Households w/ children
7,069
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)
193 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 30% above the KISSIMMEE 34744 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3202 SURFBIRD STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$635,000
5307 SW Viola Court, Stuart FL 34997 · same community
4 bd · 3 ba · 2,080 sqft · $305/sqft · 82 DOM
Sold · Nov ’25$485,000
2812 AUTUMN BREEZE WAY
4 bd · 3 ba · 2,270 sqft · $214/sqft · 39 DOM
Sold · Dec ’25$463,000
4424 MORRIS DRIVE
3 bd · 2 ba · 2,295 sqft · $202/sqft · 183 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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3202 SURFBIRD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3202 SURFBIRD STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3202 SURFBIRD STREET FAQs
What would the monthly payment be for 3202 SURFBIRD STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,735/mo — principal and interest, the actual property-tax bill, the $95/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 3202 SURFBIRD STREET?+
The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3202 SURFBIRD STREET?+
The most recent tax bill on record (2025) was $4,159. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3202 SURFBIRD STREET?+
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 $495,000, this home is listed about 31% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3202 SURFBIRD STREET?+
East Lake Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Mike Perez. MLS #O6399070.
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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