870 SPINNAKER WAY, KISSIMMEE, FL, 34746
Active302 days on marketListed Oct 8, 2025MLS #O6350530
About this home
870 SPINNAKER WAY
Stunning Water front luxury single house located in the perfect Bellalago Community, a 24-hour guarded gated neighborhood, access to Lake Tohopekaliga, chain of lakes to East Lake Tohopekaliga and Cypress Lake. Premium Lot in the heart of community. Cul-de-sac. Great Privacy. Featured with 5-bedroom & 4.5-bathroom & Loft/Retreat & Den/Office & 3 Car Garage. Master bedroom and 2nd bedroom suit downstairs. Loft and 3rd bedroom suit and other two bedroom upstairs. Lots of upgrades, including huge paved screened back yard, outdoor summer kitchen, gourmet kitchen, upgraded laundry room, trail ceilings in living room and master bedroom. Open-concept floor plan. Abundant natural light throughout the whole house. Step into the house you will be impressed by the amazing living room with completely open four sliding doors lead to grand paved back yard with breathtaking water view. Sides of the foyer are separated formal dining room and bonus room/den/office, well-equipped gourmet kitchen with upgraded countertop, center island, custom cabinetry, stainless steel appliances and backsplash, integrated with a breakfast area and family room connected through three sliding doors to outdoor summer kitchen, perfect for family gatherings or hosting guests. Luxury large master bedroom downstairs features trail ceiling, private access to back yard, double generous closets, garden soaking tub with separate walk-in shower, dual vanities. Bellalago is an amazing water leads community on Lake Tohopekaliga, 24 hours guard gated, hundreds of acres of wooded nature preserves, lake view multi-million-dollar clubhouses, state-of-the-art fitness center, resort-style zero-entry pool, waterpark, spa, dock access, tennis courts, basketball courts, recreation room, playground, dog park, walking/biking trails, boat marina with ramp and lift, restaurant, boardwalk with fishing pier...etc. Schools nearby, only few mins to Publix, markets, shoppings, eatings and entertainments. Short drive to world-class attractions like Disney World, Universal Studios, Sea World, Premium Outlets, Orlando Downtown...etc. Schedule a showing today!
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,566
Sqft
0.28 ac
Lot size
3
Garage
2015
Year built
Two
Levels
$207
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.
$6,582 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,582/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Kissimmee actives
$207 vs $209
Days on market
302 vs 53 typical
Where $207/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 →
KISSIMMEE 34746 — neighborhood snapshot
Population
57,181
Median age
37.6
Median income
$67,677
Median home value
$328,500
Avg household
3.13
Households w/ children
5,929
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)
169 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 171% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 870 SPINNAKER WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$920,000
1110 TERRALAGO WAY · same community
5 bd · 4.5 ba · 4,575 sqft · $201/sqft · 66 DOM
Sold · Oct ’25$1,195,000
711 WINDLASS COURT · same community
7 bd · 5 ba · 4,895 sqft · $244/sqft · 154 DOM
Sold · Jan ’26$808,000
890 SPINNAKER WAY · same community
7 bd · 5.5 ba · 5,334 sqft · $151/sqft · 38 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 870 SPINNAKER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 870 SPINNAKER WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
870 SPINNAKER WAY FAQs
What would the monthly payment be for 870 SPINNAKER WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,582/mo — principal and interest, the actual property-tax bill, the $165/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 870 SPINNAKER WAY?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 870 SPINNAKER WAY?+
The most recent tax bill on record (2024) was $9,644. 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 870 SPINNAKER WAY?+
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 $945,000, this home is listed about 149% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 870 SPINNAKER WAY?+
Kissimmee Middle School (middle), Flora Ridge Elementary School (elementary), Celebration High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$945,000 runs 171% above the KISSIMMEE 34746 median — but at 4,566 sqft it's also nearly 3 times the size of the typical Kissimmee listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
302 days on market against a Kissimmee median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,099,900, now $945,000 — a $155K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of YORK MILLS REALTY LLC · Jacky Liu. MLS #O6350530.
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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