3851 GULF SHORE CIRCLE, KISSIMMEE, FL, 34746
Active14 days on marketListed Sep 6, 2026MLS #S5156729
About this home
3851 GULF SHORE CIRCLE
Welcome to the beautiful Isles of Bellalago, a guard-gated community where resort-style living meets everyday comfort. 4 bedrooms, 2 full baths, with 3 cars garage house, built in 2015, located resort style guarder-gated community Bellalago that is home to traditional waterfront living in Kissimmee, Florida. Located on more than a mile of shoreline along Lake Toho All house flood with tile, except bedrooms. Community on lake Tohopekaliga, great fishing lake, offers lake front recreation including boating, fishing, as well as the amenities of community pools, tennis courts, fitness center, playgrounds. The community also provides 24-hour manned gate security and a friendly, active atmosphere year-round. Conveniently located near everyday essentials and popular destinations, the property is just minutes from Publix, Walgreens, Lowe’s, and Bellalago Village Shopping Center, which offers dining options like Broadway Pizza Bar and Capri Italian Restaurant. Major retailers and additional restaurants can be found along Pleasant Hill Road and the Loop Shopping Center. Valencia College and Bellalago Academy are nearby, along with HCA Florida Poinciana Hospital and AdventHealth Kissimmee for peace of mind. Entertainment options abound with downtown Kissimmee, Old Town, and the excitement of Disney World, Universal Studios, and SeaWorld all within a short drive. Nature lovers will appreciate the nearby Kissimmee Lakefront Park and scenic walking trails throughout the area.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,165
Sqft
0.2 ac
Lot size
3
Garage
2015
Year built
One
Levels
$173
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.
$3,386 /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
$3,386/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
−2.9%
$/sqft vs Kissimmee actives
$173 vs $209
Days on market
14 vs 55 typical
Where $173/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)
206 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 11% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3851 GULF SHORE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$360,000
3953 PORT SEA PLACE · same community
3 bd · 2 ba · 2,011 sqft · $179/sqft · 14 DOM
Sold · May ’26$440,000
4119 NAVIGATOR WAY · same community
4 bd · 3 ba · 2,341 sqft · $188/sqft · 105 DOM
Sold · Dec ’25$339,900
4034 BOUGAINVILLEA PLACE · same community
4 bd · 2 ba · 1,980 sqft · $172/sqft · 170 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3851 GULF SHORE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3851 GULF SHORE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3851 GULF SHORE CIRCLE FAQs
What would the monthly payment be for 3851 GULF SHORE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,386/mo — principal and interest, the actual property-tax bill, the $364/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 3851 GULF SHORE CIRCLE?+
The association fee works out to $364 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3851 GULF SHORE CIRCLE?+
The most recent tax bill on record (2025) was $5,858. 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 3851 GULF SHORE CIRCLE?+
The listing reports pets: Breed Restrictions. 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 $375,000, this home is listed about 1% below 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 BLUEHOUSE REALTY GROUP LLC · Donny Hang Fung. MLS #S5156729.
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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