4286 ST THOMAS WAY, KISSIMMEE, FL, 34758
Pending47 days on marketListed Jun 16, 2026MLS #O6417415
About this home
4286 ST THOMAS WAY
Under Construction. This new duplex-style Ventura offers convenient single-floor living for simple entertaining and multitasking. An inviting open-concept floorplan maximizes space and features direct access to the lanai for outdoor entertainment and leisure. A secluded study shares a hallway with a bedroom and full bathroom, and the lavish owner’s suite is tucked into a private rear corner, complete with an en-suite bathroom and walk-in closet. Lennar at Esplanade is a master-planned community in Poinciana, FL. This is an amenity-rich, safe gated community. Amenities include resort style swimming pool, dog park, clubhouse, pickle ball, bocce ball. Lake Marion Creek Wildlife Management Area is nearby with hiking trails, as well as Poinciana for shopping, dining and entertainment options. The community is in close proximity to Highway 17 for easy commuting to Greater Orlando.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,562
Sqft
0.12 ac
Lot size
1
Garage
2026
Year built
One
Levels
$144
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.
$2,011 /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
$2,217/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−4.3%
Days on market
47 vs 45 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 Kissimmee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
KISSIMMEE 34758 — neighborhood snapshot
Population
46,521
Median age
34.6
Median income
$67,128
Median home value
$280,000
Avg household
3.63
Households w/ children
5,941
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)
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the KISSIMMEE 34758 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 4286 ST THOMAS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4286 ST THOMAS 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
4286 ST THOMAS WAY FAQs
What would the monthly payment be for 4286 ST THOMAS WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,011/mo — principal and interest, estimated property taxes, the $429/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 4286 ST THOMAS WAY?+
The association fee works out to $429 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4286 ST THOMAS WAY?+
The most recent tax bill on record (2025) was $0. 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 4286 ST THOMAS 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 $224,740, this home is listed about 41% below the Kissimmee median of $379,850. The market section on this page shows how the area is trending.
Which schools are assigned to 4286 ST THOMAS WAY?+
Sunrise Elementary School (elementary), Horizon Middle School (middle), Poinciana High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of LENNAR REALTY · Ben Goldstein. MLS #O6417415.
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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