3203 OYSTER LANE, KISSIMMEE, FL, 34747
Pending154 days on marketListed Mar 6, 2026MLS #O6388134
About this home
3203 OYSTER LANE
Turnkey Investment or Vacation Home! This stylish 3-bedroom, 2-bathroom townhome is ideally located in the vibrant West Lucaya Resort, one of the top vacation communities near Disney. Whether you're planning to live full-time or generate income through short- or long-term rentals, this property offers flexibility and strong potential. The main floor welcomes you with wood-style laminate flooring, designed for low maintenance and modern appeal. The kitchen features sleek granite countertops, contemporary cabinetry, and a full set of stainless steel appliances—including a side-by-side fridge, range, microwave, and dishwasher. The primary suite, located on the ground level, includes cozy carpeting, a private bathroom with dual sinks, a soaking tub, granite vanity, and a walk-in closet. Upstairs, two additional bedrooms share a second full bathroom, and you’ll also find the laundry area conveniently tucked away on this floor. West Lucaya offers a resort-style lifestyle, complete with a clubhouse, fitness center, business lounge, game room, on-site convenience store, and a heated pool with spa. Your monthly HOA covers exterior care, landscaping, internet, and cable TV, making ownership hassle-free. Ideally positioned just off US-192, the community is close to supermarkets, restaurants, and top attractions. Best of all, you’re only 10 minutes from the magic of Walt Disney World.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,300
Sqft
0.02 ac
Lot size
2017
Year built
Two
Levels
$211
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.
$2,663 /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
$2,663/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
−8.6%
Days on market
154 vs 52 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.
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.
The Florida short-term market
▼ Softening50%
Occupancy
▼ 32% yr/yr
$296
Avg nightly rate
▲ 15% yr/yr
$35K/yr
Revenue per listing
$148
RevPAR
63 days
Booking lead time
5.5 nights
Avg stay
3
Typical min nights
10,047
Active rentals
▲ 12% supply
Seasonality — monthly occupancy
Peaks at 58% in Feb · bottoms at 38% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
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 →
The numbers that matter
The Kissimmee market
$365K → $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 27% below the Kissimmee 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3203 OYSTER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3203 OYSTER LANE — 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
3203 OYSTER LANE FAQs
What would the monthly payment be for 3203 OYSTER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,663/mo — principal and interest, the actual property-tax bill, the $432/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 3203 OYSTER LANE?+
The association fee works out to $432 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3203 OYSTER LANE?+
The most recent tax bill on record (2025) was $3,973. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3203 OYSTER LANE 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 3203 OYSTER LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $274,900, this home is listed about 27% below the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
The brief
Five things that matter here
01Under the Kissimmee market on paper
$274,900 is 27% below the Kissimmee median of $379,000, and at $211/sqft it sits under the Kissimmee average of $216.
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.
04Time on market is leverage
154 days on market against a Kissimmee median of 52 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $284,900, now $274,900 — a $10K cut. The full history is in the market section below.
Listing courtesy of ORLANDO BROTHERS BUSINESS LLC · Igor Alves. MLS #O6388134.
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.
Never miss a listing
New Kissimmee homes, in your inbox
Like 3203 OYSTER LANE but not quite? A daily digest of every new listing in Kissimmee — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →