
840 SPINNAKER WAY, KISSIMMEE, FL, 34746
Active23 days on marketListed Aug 29, 2026MLS #O6436742
About this home
840 SPINNAKER WAY
WOW, Lakefront, living at its best!!! Experience luxury living in the gated, resort-style community of Bellalago. This stunning home offers direct boat access to Lake Toho, famous for world-class bass fishing, plus breathtaking sunsets. Enter a spacious foyer with spectacular views of the open-concept great room, dining area, kitchen, breakfast nook and butler’s pantry. The kitchen features 42-inch cabinets with crown molding, granite countertops, farmhouse sink, backsplash, soft-close drawers, large island, breakfast bar and walk-in pantry. The primary suite features a tray ceiling and extraordinary walk-in closet with custom built-in floor-to-ceiling shelving and high-reach garment pole. The spa-inspired bath offers anti-fog lighted mirrors, dual waterfall vanities, soaking tub and oversized slate walk-in shower, dual rain heads, lighting and multicolor ambiance. The room next to the primary suite can easily serve as a home office, nursery, or gym. The home features TWO 2-car garages, 1 oversized, both with epoxy floors, hanging storage racks and 1 workbench. The first- floor laundry room includes cabinets, sink, full size Washer and Dryer while Upstairs laundry room has full sized Washer and Dryer, mini frig., single shelf and plumbed for sink. A convenient half bath and pool-accessible full bath complete the main level. Step through the triple pocket sliding doors to your spectacular 30' x 74.5' custom pool and outdoor living area, overlooking the backyard, water and dock. The travertine pool deck, natural-stone accents and summer kitchen create an incredible setting for entertaining or relaxing. The summer kitchen includes a Blaze grill, double tap kegerator and mini fridge. The custom pool built by Premier Pools of Central Florida features a sun shelf, sun chairs, bubbler, back yard-facing seating shelf and two-zone heating for the pool and spa, with depths ranging from 3 to 7 feet. Enjoy your private 5' x 34' Trex dock with water, electricity, solar lighting and outlets. A fire pit, TV, soundbar and sound system complete the ultimate outdoor entertainment space enclosed by a Two-story panoramic screen enclosure. Beautiful Bougainvillea, Crepe Myrtles, Banana trees, and a lush rose garden add to the tropical ambiance. The upstairs features a loft, 4 bedrooms, 3 baths, laundry room, additional space for a coffee bar, an ample sized balcony with stainless Steel & Aluminum Railing, a slate floor and 2 ceiling fans. 1 bedroom is an en-suite, all 4 bedrooms have walk in closets. Other features include freshly painted inside and out, dual a/c units, landscape lighting, 5 1/4" baseboards, all rods, drapes and blinds stay under the stair’s storage, 2 large coat and vacuum closets, plenty of linen closets, tinted windows throughout, and extra insulation in the attic. Built in 2017, the home was not occupied until 2020 and then in 2023 was remodeled. Furniture is negotiable. If you love boating, fishing, entertaining and resort-style living, this exceptional Lake Toho area home is ready to impress! All you Anglers only Bellalago anglers have access to Bellalago from Lake Toho. Bellalago offers an exceptional resort lifestyle with a 7,000-square-foot clubhouse overlooking Lake Toho, resort pools, fitness center and year-round activities for all ages. Bellalago Charter Academy (K-8) is conveniently located just outside the community. Schedule a private tour today!
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
5,428
Sqft
0.28 ac
Lot size
4
Garage
2017
Year built
Two
Levels
$253
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.
$9,092 /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
$9,092/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.
$/sqft vs Kissimmee actives
$253 vs $210
Days on market
23 vs 55 typical
Where $253/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 →
The numbers that matter
The Kissimmee market
$365K → $350K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
204 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 305% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 840 SPINNAKER WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$1,150,000
1211 TERRALAGO WAY · same community
5 bd · 5.5 ba · 5,428 sqft · $212/sqft · 19 DOM
Sold · Oct ’25$1,050,000
820 WINDLASS COURT · same community
5 bd · 5.5 ba · 5,428 sqft · $193/sqft · 254 DOM
Sold · Jan ’26$808,000
890 SPINNAKER WAY · same community
7 bd · 5.5 ba · 5,334 sqft · $151/sqft · 38 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 840 SPINNAKER WAY — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 840 SPINNAKER WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
840 SPINNAKER WAY FAQs
What would the monthly payment be for 840 SPINNAKER WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,092/mo — principal and interest, the actual property-tax bill, the $205/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 840 SPINNAKER WAY?+
The association fee works out to $205 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 840 SPINNAKER WAY?+
The most recent tax bill on record (2025) was $9,509. 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 840 SPINNAKER WAY?+
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 $1,375,000, this home is listed about 263% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Marie A Collins PA. MLS #O6436742.
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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