431 WATER STREET, CELEBRATION, FL, 34747
Active7 days on marketListed Sep 13, 2026MLS #O6434329
About this home
431 WATER STREET
Exceptional opportunity to own a beautifully renovated home just a 5-minute walk to Downtown Celebration, offering one of the most desirable locations in the community. Completely remodeled in 2024, this residence combines contemporary luxury with timeless elegance. The impressive living room features over 20-foot ceilings and a stunning floor-to-ceiling porcelain accent wall with modern wood slat detailing, creating a dramatic focal point. The custom staircase showcases stainless steel railings with stainless steel cable balusters, enhancing the home's sleek architectural design. The gourmet kitchen is equipped with quartz countertops, a built-in cooktop, microwave, and wall oven with Air Fryer functionality, making it ideal for both everyday living and entertaining. Quartz countertops continue throughout all bathrooms, providing a cohesive luxury finish. Additional highlights include a charming temperature-controlled wine bar with wine cooler, a spacious covered rear porch perfect for outdoor entertaining, and a two-car attached garage. This is a rare opportunity to own a fully updated home in one of Celebration's most sought-after locations, just moments from restaurants, shops, lakes, walking trails, and community events. The unit is rented until 01/31/2027 for, $4300 per month, an investor's dream.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,890
Sqft
0.11 ac
Lot size
2
Garage
1998
Year built
Three Or More
Levels
$328
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.
$5,255 /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
$5,255/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
+75.2%
$/sqft vs Celebration actives
$328 vs $343
Days on market
7 vs 40 typical
Where $328/sqft sits among the 84 Celebration 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 Celebration
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Celebration. See the full Celebration guide →
CELEBRATION 34747 — neighborhood snapshot
Population
27,422
Median age
37.5
Median income
$83,141
Median home value
$455,600
Avg household
2.6
Households w/ children
2,599
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Celebration market
$618K → $720K
Celebration median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
45 of 84
Celebration actives have cut their price
Median sold price, Celebration, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 59% above the CELEBRATION 34747 median. See the full Celebration market guide →
Paper trail
This home's history
Reality check
What actually sold near 431 WATER 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$705,000
1565 CASTILE STREET
3 bd · 2.5 ba · 1,875 sqft · $376/sqft · 59 DOM
Sold · Feb ’26$660,000
1353 NAVARRE STREET
3 bd · 2.5 ba · 1,875 sqft · $352/sqft · 15 DOM
Sold · Dec ’25$815,000
1012 WILD ELM STREET
3 bd · 2 ba · 1,860 sqft · $438/sqft · 3 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 431 WATER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 431 WATER STREET — 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
431 WATER STREET FAQs
What would the monthly payment be for 431 WATER STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,255/mo — principal and interest, the actual property-tax bill, the $999/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 431 WATER STREET?+
The association fee works out to $999 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 431 WATER STREET?+
The most recent tax bill on record (2025) was $6,287. 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 431 WATER STREET?+
The listing reports pets: No. 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 Celebration?+
At $619,000, this home is listed about 11% above the Celebration median of $559,995. The market section on this page shows how the area is trending.
Which schools are assigned to 431 WATER STREET?+
Westside K-8 School (elementary), Celebration High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$619,000 runs 59% above the CELEBRATION 34747 median.
02Know the monthly fee
The association fee is $999/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 7 days on market in a Celebration market that averages 40 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MS LAND & BUILDING LLC · Alex Leonardo. MLS #O6434329.
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.
Never miss a listing
New Celebration homes, in your inbox
Like 431 WATER STREET but not quite? A daily digest of every new listing in Celebration — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Angela to ping you on any price or status change →