CENTURY 21 Edge
$849,9996 bd4 ba4,565 sqft$186 /sqft≈$6,885 /mo all-in ↓

3817 SHORESIDE DRIVE, KISSIMMEE, FL, 34746

Active9 days on marketListed Oct 29, 2026MLS #O6453297

Single Family ResidenceBELLALAGO PH 4K

About this home

3817 SHORESIDE DRIVE

Welcome to 3817 Shoreside Drive, where generous living spaces, timeless architectural details, and picturesque water views come together in the gated lakeside community of Bellalago. Nestled on a beautiful water-view lot, this impressive two-story residence offers six bedrooms, four full bathrooms, and over 4,500 square feet of living space, creating the perfect setting to gather, entertain, and unwind. Imagine beginning your mornings with a cup of coffee while taking in the peaceful waterfront scenery or ending your evenings surrounded by the tranquility of this beautiful setting. A spacious foyer creates a welcoming first impression, opening to a formal dining room and dedicated office space. Beyond the entry, the home flows seamlessly into an open living room, kitchen, and casual dining area. Crown molding, graceful archways, and tile flooring add warmth and character, while the kitchen's large center island with additional seating provides a natural gathering place for everyday meals and conversation. The generously sized primary suite offers a relaxing retreat, complete with an expansive walk-in closet and spacious private bathroom. Five additional bedrooms and three additional full bathrooms provide flexibility for guests, hobbies, and everyday living. One of the home's most exceptional features is the upstairs partial next-generation suite setup, thoughtfully designed with a kitchenette, additional laundry room, spacious loft, and private balcony. The upstairs also features a desirable split floor plan with four bedrooms, offering added privacy, flexibility, and separation of living spaces. This versatile arrangement is ideal for multigenerational living, extended family, guests, or creating a secondary entertainment and lounge area. Step outside onto the second-floor balcony and enjoy the beautiful water views, where the peaceful surroundings create a picturesque backdrop for morning coffee, quiet afternoons, or relaxing evenings. The screened first-floor patio offers another inviting space to unwind, entertain, or simply appreciate the beauty of the waterfront setting. A tile roof complements the home's timeless architectural style. Bellalago brings resort-style recreation close to home, with community clubhouses, pools, fitness centers, tennis and basketball courts, playgrounds, and walking and biking trails. A community boat ramp and lift provide access to Lake Tohopekaliga, while the boardwalk and fishing pier offer additional ways to enjoy the waterfront lifestyle. On-site dining adds to the community's appeal. Nearby, Village Shops at Bellalago offers shopping, restaurants, and everyday conveniences. Explore historic downtown Kissimmee and Kissimmee Lakefront Park, or plan a day at Walt Disney World and Disney Springs. With its premium water-view lot, expansive interiors, flexible multigenerational layout, inviting outdoor living spaces, and exceptional community amenities, 3817 Shoreside Drive offers a rare opportunity to enjoy spacious, elegant living surrounded by the natural beauty of Florida's waterfront lifestyle. Request your private tour today and experience the beauty, space, and waterfront charm of this exceptional home for yourself! SPECIAL FINANCING INCENTIVE: Qualified buyers who finance through the seller's preferred lender may request up to $6,510 in lender credits toward eligible closing costs or a temporary one-year interest rate buydown, subject to lender approval, loan program requirements, and terms.

Facts & features

The home at a glance

6

Bedrooms

4

Bathrooms

4,565

Sqft

0.23 ac

Lot size

2016

Year built

Two

Levels

$186

Per sqft

Pets allowed

Inside

FlooringTile · Hardwood
AppliancesDishwasher · Microwave · Range
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · Stone Counters · Walk-In Closet(s)
LaundryIn Kitchen
CoolingCentral Air
HeatingElectric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationOther
FacesSouthwest
ExteriorBalcony · Sidewalk · Sliding Doors

Community & fees

HOA fee$205/mo
Taxes (2025)$10,232/yr
PetsYes
CommunityClubhouse · Fitness Center · Gated Community - Guard · Park · Pool

Utilities & systems

UtilitiesPublic
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.

$6,885 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$5,349
PMI (est., until 20% equity)$319
Property tax — 2025 actual bill$853
HOA fee — from the listing$205
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $85,000Loan30-yr fixed at 7.5%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% · $85,000
Interest rate7.50%
Loan term

Estimated payment

$6,885/mo

Principal & interest$5,349
PMI (est., until 20% equity)$319
Property taxes (actual bill)$853
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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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.

List $850K
$616KedgeAI estimate $663,589 · range $642K–$702K$884K

vs edgeAI estimate

+28.1%

$/sqft vs BELLALAGO PH 4K

$186 vs $166

Days on market

9 vs 74 typical

Where $186/sqft sits among the 9 homes for sale in BELLALAGO PH 4K

2
3
2 · this home
1
0
1
$141–156$156–172$172–187$187–203$203–218$218+

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 Bellalago

Drive times from this address

Walt Disney World≈ 36 min
Universal Orlando≈ 40 min
Orlando Int’l Airport (MCO)≈ 43 min
Downtown Orlando≈ 43 min

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

Get to know Kissimmee. See the full Kissimmee guide →

Bellalago — neighborhood snapshot

Population

4,392

Median age

35

Median income

$74,027

Median home value

$428,100

Avg household

3

Households w/ children

448

For the school run

Osceola County School District

ElementaryBellalago Charter Academy★★★★★
HighLiberty High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Kissimmee market

Seller’s marketLeans buyer — 7.0 months of inventoryBuyer’s market

$355K → $350K

Kissimmee median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

5 of 9

BELLALAGO PH 4K have cut their price

Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 154% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →

Paper trail

This home's history

Oct 29, 2026Listed at $849,999 · 9 days on market since
2016Built · BELLALAGO PH 4K

Reality check

What actually sold near 3817 SHORESIDE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3826 SHORESIDE DRIVESold · Apr ’26

$649,000

3826 SHORESIDE DRIVE · same community

4 bd · 3.5 ba · 4,109 sqft · $158/sqft · 4 DOM

3844 BOWFIN TRAILSold · Feb ’26

$977,500

3844 BOWFIN TRAIL · same community

6 bd · 4 ba · 5,280 sqft · $185/sqft · 170 DOM

3852 SHORESIDE DRIVESold · Nov ’25

$585,000

3852 SHORESIDE DRIVE · same community

5 bd · 4 ba · 3,384 sqft · $173/sqft · 9 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 3817 SHORESIDE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3817 SHORESIDE DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3817 SHORESIDE DRIVE FAQs

What would the monthly payment be for 3817 SHORESIDE DRIVE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,885/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 3817 SHORESIDE DRIVE?+

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 3817 SHORESIDE DRIVE?+

The most recent tax bill on record (2025) was $10,232. 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 3817 SHORESIDE DRIVE?+

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 $849,999, this home is listed about 127% above the Kissimmee median of $375,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3817 SHORESIDE DRIVE?+

Bellalago Charter Academy (elementary), Liberty High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of EXP REALTY LLC · Veronica Figueroa. MLS #O6453297.

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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