4039 NAVIGATOR WAY, KISSIMMEE, FL, 34746
Active323 days on marketListed Sep 22, 2025MLS #P4936335
About this home
4039 NAVIGATOR WAY
SHORT SALE: PRICE IMPROVEMENT – NOW $395,000! Experience the ultimate Florida lifestyle in the award-winning, guard-gated BellaLago community. This 4-bedroom, 2.5-bathroom home sits on an oversized conservation lot, offering total privacy and serene nature views. INVEST IN EQUITY: This home is being offered as a Short Sale at an incredible value. While it needs a little TLC to reach its full potential, the most expensive updates are already done for you, including BRAND NEW CARPET installed throughout the ENTIRE HOUSE (less than 6 months old)! THE HOME: Featuring soaring ceilings and an open-concept living area, the home is filled with natural light. The chef’s kitchen boasts quartz countertops, a large island, and stainless steel appliances. The first-floor Owner’s Retreat provides a private sanctuary with a spa-inspired ensuite. THE COMMUNITY: Enjoy resort-style living with an on-site restaurant, two pools, fitness centers, tennis courts, and a private boat ramp to Lake Tohopekaliga. THE OPPORTUNITY: Perfect for a buyer with a vision who wants to secure a move-in ready home significantly below market value. Please note: This is a short sale subject to third-party lender approval. Sold strictly AS-IS. Schedule your showing today and grab this equity before it's gone!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,123
Sqft
0.26 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$186
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.
$3,403 /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
$3,403/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.
vs edgeAI estimate
+17.7%
$/sqft vs Kissimmee actives
$186 vs $209
Days on market
323 vs 55 typical
Where $186/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 →
KISSIMMEE 34746 — neighborhood snapshot
Population
57,181
Median age
37.6
Median income
$67,677
Median home value
$328,500
Avg household
3.13
Households w/ children
5,929
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)
183 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 14% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 4039 NAVIGATOR WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$360,000
792 DEL PRADO DRIVE
5 bd · 2 ba · 2,105 sqft · $171/sqft · 195 DOM
Sold · May ’26$363,000
4165 KEY COLONY PLACE
4 bd · 2.5 ba · 2,156 sqft · $168/sqft · 102 DOM
Sold · Nov ’25$348,500
4067 MARINA ISLE DRIVE
5 bd · 2.5 ba · 2,156 sqft · $162/sqft · 15 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4039 NAVIGATOR WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4039 NAVIGATOR WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4039 NAVIGATOR WAY FAQs
What would the monthly payment be for 4039 NAVIGATOR WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,403/mo — principal and interest, the actual property-tax bill, the $325/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 4039 NAVIGATOR WAY?+
The association fee works out to $325 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4039 NAVIGATOR WAY?+
The most recent tax bill on record (2024) was $5,015. 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 4039 NAVIGATOR WAY?+
The listing reports pets: Cats OK, Dogs OK, 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 $395,000, this home is listed about 4% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4039 NAVIGATOR WAY?+
Kissimmee Middle School (middle), Flora Ridge Elementary 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
$395,000 runs 14% above the KISSIMMEE 34746 median — but at 2,123 sqft it's also 17% larger than the typical Kissimmee listing.
02Time on market is leverage
323 days on market against a Kissimmee median of 55 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $455,000, now $395,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY MARKETPLACE · Janice Tyler. MLS #P4936335.
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 Kissimmee homes, in your inbox
Like 4039 NAVIGATOR WAY but not quite? A daily digest of every new listing in Kissimmee — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tommy to ping you on any price or status change →