12 PINE ISLAND CIRCLE, KISSIMMEE, FL, 34743
Active76 days on marketListed May 19, 2026MLS #O6408701
About this home
12 PINE ISLAND CIRCLE
Price Improvement! Cared for by the current owner for the past 11 years, this lovely villa-style townhome is move-in ready! TOUR THE HOUSE WITH THE VIRTUAL TOUR and WALK THRU VIDEO LINKS. Step inside to discover high ceilings, natural light, and tile flooring throughout the house (no carpet). The layout of the house makes it feel larger than you would expect. A split floorplan provides one bedroom at the front of the house and a full bath, and the primary at the rear of the house. A spacious great room will become your place for relaxing and entertaining, with ample room for your living room furniture as well as a dining room table. The family cook will appreciate the elegant granite countertops and Shaker-style wood cabinets with soft-close doors, as well as the open pass-through to the great room. Step out the sliding glass door to the screened patio to enjoy your morning coffee, or unwind at the end of the day. You’ll also find a storage closet off to the side of the patio. Retreat to the spacious primary suite and delight in the custom walk-in closet, large vanity, and private toilet and tiled shower. The house has a new A/C (2022), fresh paint, and the roof is less than 10 years old. Residents of Pine Island Villas enjoy a care-free lifestyle with exterior landscaping and maintenance included with the reasonable $150/month HOA fee, giving you more time to visit with friendly neighbors at the sparkling pool and cabana just steps away. Plus, the location can’t be beat---with nearby shopping, groceries, restaurants, banks, gym, and public transportation options. Just 30 minutes from the world class theme parks, airport, and downtown Orlando!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,066
Sqft
0.03 ac
Lot size
1987
Year built
One
Levels
$220
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.
$1,893 /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
$1,893/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
+2.3%
$/sqft vs Kissimmee actives
$220 vs $207
Days on market
76 vs 45 typical
Where $220/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 34743 — neighborhood snapshot
Population
40,656
Median age
38
Median income
$59,186
Median home value
$277,700
Avg household
3.35
Households w/ children
4,224
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
$369K → $358K
Kissimmee median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
168 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 1% below the KISSIMMEE 34743 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 PINE ISLAND CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$305,000
547 N Pine Island Rd # 25, Plantation FL 33324 · same community
3 bd · 2.5 ba · 1,344 sqft · $227/sqft · 10 DOM
Sold · May ’26$303,000
681 ROYAL PALM DRIVE
3 bd · 2 ba · 1,065 sqft · $285/sqft · 26 DOM
Sold · Mar ’26$221,500
32 W COUNTRY COVE WAY UNIT 32
3 bd · 2 ba · 1,073 sqft · $206/sqft · 92 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 12 PINE ISLAND CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 PINE ISLAND CIRCLE — 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
12 PINE ISLAND CIRCLE FAQs
What would the monthly payment be for 12 PINE ISLAND CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,893/mo — principal and interest, the actual property-tax bill, the $150/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 12 PINE ISLAND CIRCLE?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 PINE ISLAND CIRCLE?+
The most recent tax bill on record (2025) was $1,147. 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 12 PINE ISLAND CIRCLE?+
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 $235,000, this home is listed about 38% below the Kissimmee median of $379,850. The market section on this page shows how the area is trending.
Which schools are assigned to 12 PINE ISLAND CIRCLE?+
Parkway Middle School (middle), Boggy Creek Elementary School (elementary), Gateway High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BLOOM HOME GROUP REALTY LLC · Chris Winn. MLS #O6408701.
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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