3651 SAIL HARBOR DRIVE, KISSIMMEE, FL, 34746
Active36 days on marketListed Sep 4, 2026MLS #S5156963
About this home
3651 SAIL HARBOR DRIVE
Welcome to this beautiful Gated Community located in Kissimmee! This inviting home offers a wonderful combination of comfort, thoughtful updates, and beautiful outdoor living. Recently painted inside and out, the home has a fresh, move-in-ready feel. The roof was newly replaced this week, offering added peace of mind for the next owner. One of the standout features of this property is the Florida room added in the backyard, creating the perfect space to relax, entertain, enjoy your morning coffee, or unwind at the end of the day while taking in the peaceful pond views. The backyard provides a tranquil setting and an extension of the home's living space, perfect for enjoying the Florida lifestyle year-round. Inside, the home's fresh paint creates a bright and welcoming atmosphere, while the thoughtful improvements and spacious living areas provide plenty of room to make the home your own. The combination of indoor comfort and an inviting outdoor retreat makes this property an excellent opportunity for those looking for a home that offers both everyday functionality and a relaxing setting. Important inclusions/exclusions: The refrigerator currently located in the kitchen does not convey. The sellers will leave the refrigerator currently located in the garage in its place. The washer and dryer do not convey. The existing water system does not convey, but the buyer will have the opportunity to purchase the water system directly from the sellers. With a new roof, fresh interior and exterior paint, and a beautiful Florida room overlooking the pond, this home is ready for its next chapter. Don't miss the opportunity to make this charming Kissimmee property your new home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,490
Sqft
0.22 ac
Lot size
3
Garage
2012
Year built
One
Levels
$221
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.
$2,696 /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
$2,696/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
−0.9%
$/sqft vs Kissimmee actives
$221 vs $205
Days on market
36 vs 89 typical
Where $221/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 Isles Of Bellalago Bella Pointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
Isles Of Bellalago Bella Pointe — neighborhood snapshot
Population
1,651
Median age
39
Median income
$74,135
Median home value
$356,400
Avg household
4
Households w/ children
162
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)
200 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 1% below the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3651 SAIL HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$278,500
3510 YACHT CLUB COURT · same community
3 bd · 2 ba · 1,508 sqft · $185/sqft · 50 DOM
Sold · Feb ’26$309,900
3636 SAIL HARBOR DRIVE · same community
3 bd · 2 ba · 1,748 sqft · $177/sqft · 47 DOM
Sold · Nov ’25$348,500
4067 MARINA ISLE DRIVE · same community
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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3651 SAIL HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3651 SAIL HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3651 SAIL HARBOR DRIVE FAQs
What would the monthly payment be for 3651 SAIL HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,696/mo — principal and interest, the actual property-tax bill, the $74/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 3651 SAIL HARBOR DRIVE?+
The association fee works out to $74 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3651 SAIL HARBOR DRIVE?+
The most recent tax bill on record (2025) was $4,478. 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 3651 SAIL HARBOR DRIVE?+
The listing reports pets: Number Limit, 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 $330,000, this home is listed about 12% below the Kissimmee median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3651 SAIL HARBOR DRIVE?+
Liberty High School (high), Bellalago Charter Academy (elementary) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Mayling Marrero. MLS #S5156963.
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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