2966 LUCAYAN HARBOUR CIRCLE UNIT 103, KISSIMMEE, FL, 34746
Active1 days on marketListed Oct 9, 2026MLS #S5159135
About this home
2966 LUCAYAN HARBOUR CIRCLE UNIT 103
LOCATION, LOCATION, LOCATION, Resort-Style near Disney, discover an extraordinary opportunity to own this amazing bright, spacious and fully furnished, three-bedroom, two-bathroom Townhome in a gate community near Disney Parks, enjoy a resort-style setting with shopping, dining, and entertainment just steps away from the community. Whether you are looking for a comfortable life as a FIRST Or SECOND HOME BUYER or if you are an INVESTOR, this townhome offers a high rental potential, for SHORT OR LONG-TERM RENT. Its appealing combination of great location, amenities and flexibility and its proximity to Central Florida major attractions make the difference. Act now schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,300
Sqft
0.02 ac
Lot size
2007
Year built
Two
Levels
$208
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.
$2,725 /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
$2,725/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
+6.5%
$/sqft vs Kissimmee actives
$208 vs $204
Days on market
1 vs 89 typical
Where $208/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.
The investor lens
Two ways this home pays
This home sits inside Lucaya Village, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,100/mo median
Live Kissimmee rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Lucaya Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Lucaya Village is a short-term-rental community. See the full guide →
Lucaya Village — neighborhood snapshot
Population
82
Median age
33
Median income
$60,673
Median home value
$314,700
Avg household
3
Households w/ children
46%
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)
212 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 19% below the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 2966 LUCAYAN HARBOUR CIRCLE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$240,000
2956 LUCAYAN HARBOUR CIRCLE UNIT 107 · same community
3 bd · 2 ba · 1,300 sqft · $185/sqft · 304 DOM
Sold · Nov ’25$275,000
2950 LUCAYAN HARBOUR CIRCLE UNIT 107 · same community
3 bd · 2 ba · 1,300 sqft · $212/sqft · 129 DOM
Sold · Aug ’26$270,000
2952 LUCAYAN HARBOUR CIRCLE UNIT 106 · same community
3 bd · 2 ba · 1,300 sqft · $208/sqft · 193 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2966 LUCAYAN HARBOUR CIRCLE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2966 LUCAYAN HARBOUR CIRCLE UNIT 103 — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2966 LUCAYAN HARBOUR CIRCLE UNIT 103 FAQs
What would the monthly payment be for 2966 LUCAYAN HARBOUR CIRCLE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,725/mo — principal and interest, the actual property-tax bill, the $555/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 2966 LUCAYAN HARBOUR CIRCLE UNIT 103?+
The association fee works out to $555 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2966 LUCAYAN HARBOUR CIRCLE UNIT 103?+
The most recent tax bill on record (2025) was $3,616. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 2966 LUCAYAN HARBOUR CIRCLE UNIT 103 be rented short-term?+
Yes — this home sits inside Lucaya Village, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 2966 LUCAYAN HARBOUR CIRCLE UNIT 103?+
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 $270,000, this home is listed about 28% below the Kissimmee median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2966 LUCAYAN HARBOUR CIRCLE UNIT 103?+
Kissimmee Middle School (middle), Celebration High School (high), Reedy Creek Elementary School (elementary) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the KISSIMMEE 34746 market on paper
$270,000 is 19% below the KISSIMMEE 34746 median of $335,000, and at $208/sqft it sits under the Kissimmee average of $213.
02Zoned for nightly rentals
Lucaya Village is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
04Know the monthly fee
The association fee is $555/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
05Fresh on the market
Only 1 day on market in a Kissimmee market that averages 89 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of AGENT TRUST REALTY CORPORATION · Sandra Farias. MLS #S5159135.
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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