CENTURY 21 Edge
$1,375,0005 bd5.5 ba5,428 sqft$253 /sqft$9,092 /mo all-in ↓

840 SPINNAKER WAY, KISSIMMEE, FL, 34746

Active23 days on marketListed Aug 29, 2026MLS #O6436742

WaterfrontPrivate poolSingle Family ResidenceBELLALAGO PH 6H & 6I

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

Private poolWaterfrontPool & Water viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl · Slate · Travertine
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Other · Upper Level · Washer Hookup
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Stone · Stucco
FoundationSlab
ViewPool · Water
FacesNorth
ParkingDriveway · Garage Door Opener · Garage Faces Side · Ground Level · Other · Oversized
ExteriorBalcony · Fire Pit · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Rain Gutters · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$205/mo
Taxes (2025)$9,509/yr
PetsYes
CommunityCanal Front · Community Boat Ramp · Fishing · Lake · Water Access · Waterfront · Clubhouse · Fitness Center · Gated Community - Guard · Playground · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Propane · Public · Sewer Connected · Sprinkler Recycled · Street Lights
WaterPublic

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%

Principal & interest$7,419
PMI (est., until 20% equity)$516
Property tax — 2025 actual bill$792
HOA fee — from the listing$205
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $137,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $137,500
Interest rate6.00%
Loan term

Estimated payment

$9,092/mo

Principal & interest$7,419
PMI (est., until 20% equity)$516
Property taxes (actual bill)$792
HOA / condo fee$205
Est. insurance$160

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

80
101
105
57 · this home
27
30
$152–178$178–204$204–230$230–256$256–282$282+

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

Walt Disney World42 min
Universal Orlando46 min
Orlando Int’l Airport (MCO)49 min
Downtown Orlando49 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Kissimmee. See the full Kissimmee guide →

The numbers that matter

The Kissimmee market

Seller’s marketLeans buyer7.0 months of inventoryBuyer’s 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

Aug 29, 2026Listed at $1,375,000 · 23 days on market since
2017Built · BELLALAGO PH 6H & 6I

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.

1211 TERRALAGO WAYSold · Oct ’25

$1,150,000

1211 TERRALAGO WAY · same community

5 bd · 5.5 ba · 5,428 sqft · $212/sqft · 19 DOM

820 WINDLASS COURTSold · Oct ’25

$1,050,000

820 WINDLASS COURT · same community

5 bd · 5.5 ba · 5,428 sqft · $193/sqft · 254 DOM

890 SPINNAKER WAYSold · 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.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 840 SPINNAKER WAY — start here.

Andrew Acosta

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.

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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