
840 SPINNAKER WAY, KISSIMMEE, FL, 34746
Active175 days on marketListed Feb 13, 2026MLS #O6381828
About this home
840 SPINNAKER WAY
**** Seller is offering a $20,000 credit towards a rate buy-down **** Welcome to one of the exceptional waterfront offerings available in the exclusive gated community of Bellalago. Built in 2017 and extensively transformed with over $600,000 in curated renovations, this sophisticated Spanish Mediterranean estate represents a rare blend of architectural presence, refined craftsmanship and elevated lakefront living. On one of the community’s most desirable and private lots, the residence captures tranquil water views leading to Lake Toho while delivering the level of privacy, scale and exclusivity sought by today’s discerning luxury buyer. Designed for those who value elegance and livability, the home offers more than 5,400 square feet of thoughtfully curated interiors featuring soaring 20-foot entrance ceilings, 8-foot doors, bamboo flooring, five-inch baseboards, tinted windows for enhanced privacy and a dramatic winding staircase that immediately establishes the home’s grand architectural character. Expansive telescoping sliding doors create a seamless connection between the interior living spaces and the resort-inspired outdoor retreat, allowing the home to live beautifully for intimate evenings and large-scale entertaining. The residence was intentionally designed to accommodate a LUXURY multi-generational lifestyle, featuring dual primary suites on both levels, two laundry rooms, an expansive upstairs loft, and a private balcony overlooking the pool, lake and lush natural surroundings. The primary suite is complemented by an enormous walk-in shower and an extraordinary floor-to-ceiling custom-designed closet system, creating a boutique-style dressing experience rarely found within the community. At the heart of the home, the gourmet kitchen delivers sophistication and functionality with an oversized entertaining island, granite countertops, 42-inch cabinetry, walk-in pantry, and effortless flow into the home’s formal and casual gathering spaces, ideally suited for elevated entertaining and everyday comfort alike. Outdoors, the estate transforms into a private resort-caliber sanctuary. The meticulously designed backyard oasis showcases expansive travertine decking, a stunning 15-by-35-foot heated saltwater pool, outdoor summer kitchen, panoramic two-story screened enclosure and an exclusive 34-foot deeded teak boat dock with direct access to Lake Toho, offering an unparalleled boating and waterfront lifestyle directly from your backyard. Adding to the home’s exclusivity, the property is being offered with top-of-the-line curated furnishings, creating a turnkey luxury experience for buyers seeking immediate enjoyment without compromise. Bellalago is renowned for its tranquil atmosphere, private boating lifestyle and resort-style amenities, including recreational trails, fishing clubs, clubhouse, fitness centers, resort pools, tennis courts, restaurant, playgrounds and 24-hour manned gated security, all less than 30 minutes from Walt Disney World Resort and moments from premier shopping, dining and major expressways. A statement residence designed for buyers who expect privacy, sophistication and one of the finest waterfront lifestyles available in Central Florida.
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
5,428
Sqft
0.28 ac
Lot size
4
Garage
2017
Year built
Two
Levels
$258
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.
$9,191 /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
$9,191/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 BELLALAGO
$258 vs $195
Days on market
175 vs 52 typical
Where $258/sqft sits among the 10 homes for sale in BELLALAGO
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)
6 of 10
BELLALAGO have cut their price
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 301% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 840 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 · Nov ’25$670,000
3533 Valleyview Dr, FL 34746 · same community
5 bd · 4.5 ba · 4,842 sqft · $138/sqft · 65 DOM
Sold · Dec ’25$564,000
2651 Lookout Lane, FL 34746 · same community
4 bd · 3.5 ba · 3,591 sqft · $157/sqft · 16 DOM
Sold · Feb ’26$485,000
1950 WINDWARD OAKS COURT · same community
4 bd · 3 ba · 2,813 sqft · $172/sqft · 59 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 840 SPINNAKER WAY — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 840 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
840 SPINNAKER WAY FAQs
What would the monthly payment be for 840 SPINNAKER WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,191/mo — principal and interest, the actual property-tax bill, the $159/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 840 SPINNAKER WAY?+
The association fee works out to $159 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 840 SPINNAKER WAY?+
The most recent tax bill on record (2025) was $9,509. 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 840 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 $1,399,999, this home is listed about 269% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 840 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
$1,399,999 runs 301% above the KISSIMMEE 34746 median — but at 5,428 sqft it's also nearly 3 times the size of the typical Kissimmee listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
175 days on market against a Kissimmee median of 52 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,550,000, now $1,399,999 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INT'L REALTY · Alejandro Quiel, Jr. MLS #O6381828.
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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