438 JAY COURT, POINCIANA, FL, 34759
Active18 days on marketListed Oct 20, 2026MLS #S5159865
About this home
438 JAY COURT
Beautiful 4 Bedroom house with MARBLE FLOORS in all wet areas and upgraded carpets in the rooms. Spacious kitchen with solid wood 42" kitchen cabinets and stone countertops. Separate breakfast nook with circular windows. Amazing open plan with 13' inches high ceilings. Huge bedrooms with window coverings. 2-Bathroom with covered marble inside the shower and upgraded cabinets. Living space in a much sought out area of Poinciana with its pristine living and easy access to Orlando and Kissimmee. Stainless appliances and energy efficient water heater. An added feature is the 11 windows with trimming that brings plenty of natural light into the house. Many upgrades and high quality construction to make this a perfect home. The community center and the shopping is a short drive.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,768
Sqft
0.18 ac
Lot size
2
Garage
2019
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs POINCIANA NBRHD 05 NORTH VILLAGE 03
$1 vs $175
Days on market
18 vs 35 typical
Where $1/sqft sits among the 29 homes for sale in POINCIANA NBRHD 05 NORTH VILLAGE 03
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 Poinciana
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Poinciana. See the full Poinciana guide →
POINCIANA 34759 — neighborhood snapshot
Population
44,568
Median age
42.2
Median income
$69,373
Median home value
$300,400
Avg household
2.84
Households w/ children
4,347
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Poinciana market
$290K → $291K
Poinciana median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
17 of 29
POINCIANA NBRHD 05 NORTH VILLAGE 03 have cut their price
Median sold price, Poinciana, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the POINCIANA 34759 median. See the full Poinciana market guide →
Paper trail
This home's history
Reality check
What actually sold near 438 JAY COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$335,000
605 RAVEN COURT · same community
4 bd · 2 ba · 1,765 sqft · $190/sqft · 357 DOM
Sold · Mar ’26$335,000
621 DUNLIN LANE · same community
4 bd · 3 ba · 1,682 sqft · $199/sqft · 125 DOM
Sold · Mar ’26$275,000
411 GANNET COURT · same community
3 bd · 2 ba · 1,555 sqft · $177/sqft · 503 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 438 JAY COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 438 JAY COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
438 JAY COURT FAQs
What would the monthly payment be for 438 JAY COURT?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 438 JAY COURT?+
The listing reports pets: No. 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 Poinciana?+
At $1,900, this home is listed about 99% below the Poinciana median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 438 JAY COURT?+
Palmetto Elementary School (elementary), Lake Marion Creek Middle School (middle), Haines City Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KAT REALTY & PROPERTY MANAGEME · Kelly Groenenboom. MLS #S5159865.
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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