4130 SHELTER BAY DRIVE, KISSIMMEE, FL, 34746
Active3 days on marketListed Nov 4, 2026MLS #S5160421
About this home
4130 SHELTER BAY DRIVE
Welcome to this spacious 3-bedroom, 2-bath single-family home located in the desirable gated community of Isle of Bellalago! Offering 1,748 square feet of living space, this home features a functional open-concept floor plan with generous living and dining areas, creating a comfortable setting for everyday living and entertaining. Ceramic tile flooring throughout the home provides easy maintenance and practicality. The spacious primary suite features a large walk-in closet and an ensuite bathroom with dual vanities and an oversized walk-in shower. The split-bedroom floor plan offers added privacy, with two additional bedrooms and a full bathroom. Additional features include a separate laundry room with extra storage and a desirable 3-car garage. Sliding glass doors lead to the patio and a large, fully fenced backyard, offering plenty of space to enjoy outdoor activities, entertain, or create your own outdoor retreat. Conveniently located near shopping, restaurants, schools, major roadways, and Central Florida's world-famous attractions, this property offers a great opportunity to enjoy spacious living in an amenity-rich waterfront community. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,748
Sqft
0.23 ac
Lot size
3
Garage
2013
Year built
One
Levels
$183
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.
$2,958 /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
$2,958/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.
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.
vs edgeAI estimate
+3.7%
Days on market
3 vs 74 typical
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
1,815
Median age
31
Median income
$70,560
Median home value
$373,000
Avg household
3
Households w/ children
218
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
$355K → $350K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4130 SHELTER BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4130 SHELTER BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4130 SHELTER BAY DRIVE FAQs
What would the monthly payment be for 4130 SHELTER BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,958/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 4130 SHELTER BAY 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 4130 SHELTER BAY DRIVE?+
The most recent tax bill on record (2025) was $4,631. 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 4130 SHELTER BAY DRIVE?+
The listing reports pets: 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 $320,000, this home is listed about 15% below the Kissimmee median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4130 SHELTER BAY DRIVE?+
Liberty High School (high), Bellalago Charter Academy (elementary) — Osceola County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of TOP 7 REALTY LLC · Anthony Freites. MLS #S5160421.
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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