524 & 526 SUMNER STREET, KISSIMMEE, FL, 34741
Active45 days on marketListed Aug 26, 2026MLS #O6436231
About this home
524 & 526 SUMNER STREET
Virtually Staged. OPPORTUNITY KNOCKS in the heart of Kissimmee! This FULL DUPLEX offers two separate 2-bedroom, 1-bath residences and the flexibility to GENERATE INCOME from both units or live in one while renting the other. Recent updates to BOTH sides include NEW A/C SYSTEMS (2026) and UPDATED APPLIANCES (2026), insulation and air duct replacement (2025), new front doors (2024), and the ROOF IS (2019). UNIT 526 also features FRESH INTERIOR PAINT (2026) and an UPDATED BATHROOM (2024). Set on a spacious CORNER LOT with NO HOA, each residence offers its own FRONT PORCH, SCREENED LANAI and comfortable interior finished with tile and laminate wood flooring throughout - no carpet! UNIT 524 adds a private, fenced paver patio/backyard for additional outdoor living space. With two complete homes in one property, the setup creates plenty of possibilities for an INVESTOR, MULTI-GENERATIONAL LIVING or an OWNER-OCCUPANT looking to OFFSET EXPENSES with rental income. Unit 524 is currently tenant occupied, while Unit 526 is vacant and ready for its next chapter. Location adds even more appeal – enjoy walkability to Downtown Kissimmee and Kissimmee Lakefront Park, where community events, recreation and waterfront activities are close to home. Shopping, dining, medical services, parks and several area lakes are nearby, with convenient access to S John Young Parkway and US-192 for travel throughout Central Florida and the Disney area attractions. Whether you are expanding your rental portfolio or looking for a smart live-and-rent opportunity, this Kissimmee duplex delivers versatility, income potential and no added HOA. Call today for more information and schedule a tour!
Facts & features
The home at a glance
4
Bedrooms
1,962
Sqft
0.17 ac
Lot size
1952
Year built
One
Levels
$224
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 — not generic estimates.
$3,396 /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
$3,396/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.
$/sqft vs Kissimmee actives
$224 vs $204
Days on market
45 vs 89 typical
Where $224/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 Downtown Kissimmee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
Downtown Kissimmee — neighborhood snapshot
Population
2,542
Median age
48
Median income
$33,872
Median home value
$198,552
Avg household
2
Households w/ children
296
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)
213 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 115% above the KISSIMMEE 34741 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 524 & 526 SUMNER 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$247,000
515 MABBETTE STREET · same community
4 bd · 3 ba · 2,144 sqft · $115/sqft · 45 DOM
Sold · May ’26$370,000
667 LINCOLN STREET
4 bd · 3.5 ba · 1,971 sqft · $188/sqft · 100 DOM
Sold · Jul ’26$375,000
685 LINCOLN STREET
4 bd · 3.5 ba · 1,971 sqft · $190/sqft · 2 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 524 & 526 SUMNER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 524 & 526 SUMNER STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
524 & 526 SUMNER STREET FAQs
What would the monthly payment be for 524 & 526 SUMNER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,396/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 524 & 526 SUMNER STREET?+
The most recent tax bill on record (2025) was $5,410. 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 524 & 526 SUMNER 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 $440,000, this home is listed about 17% above the Kissimmee median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 524 & 526 SUMNER STREET?+
Central Avenue Elementary School (elementary), Osceola High School (high), Denn John Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WEMERT GROUP REALTY LLC · Jenny Wemert. MLS #O6436231.
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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