
3820 BOWFIN TRAIL, KISSIMMEE, FL, 34746
Active20 days on marketListed Jul 14, 2026MLS #O6420099
About this home
3820 BOWFIN TRAIL
Virtually Staged. Welcome to resort-style living at its finest! This beautifully upgraded 3-bedroom, 3-bath home with a dedicated flex room offers the perfect combination of luxury, functionality, and privacy. Situated on a premium conservation lot with no rear neighbors, this move-in ready home features a fully fenced backyard with transferrable warranty, a screened lanai, and is pre-wired tor a future pool. From the moment you enter, you'll appreciate the thoughtful design and spacious open-concept layout. A versatile flex room at the front of the home is perfect for a home office, playroom, formal living area, or media room. The chef's kitchen is the centerpiece of the home, featuring an oversized granite island with built-in storage cubbies, 42-inch cabinets with crown molding, under-cabinet lighting, tiled backsplash, double ovens, cooktop with hood system, and abundant workspace for entertaining and everyday living. The kitchen opens seamlessly to the dining and family room, creating an ideal space for gathering with family and friends. The spacious primary suite serves as a private retreat with a tray ceiling, oversized walk-in closet, dual granite vanities, soaking tub, large walk-in shower, and private water closet. A secondary en-suite bedroom offers its own private bathroom and walk-in closet, making it perfect for guests, multigenerational living, or a second primary suite. The third bedroom also features a walk-in closet and convenient access to a full bath! Additional upgrades include fresh interior and exterior paint, upgraded 18-inch tile throughout the main living areas, granite countertops throughout, recessed lighting, ceiling fans, a mudroom with built-in cubbies and storage, a separate laundry room with extensive cabinetry and throughout, recessed lighting, ceiling fans, a mudroom with built-in cubbies and storage, a separate laundry room with extensive cabinetry and utility sink, sealed driveway, cable ready bedrooms and flex room, and garage storage racks with a FastTrack organization system. Beyond the home, enjoy an exceptional lifestyle in one of the areas most amenity-rich communities. Residents enjoy access to two resort-style pools, a community restaurant, two fitness centers offering classes such as aerobics and Zumba, a splash pad, dog parks for both large and small dogs, tennis courts, basketball courts, beach volleyball, scenic trails, beautiful lakes, and community docks with lake access for boating enthusiasts, weekly food trucks, monthly farmers markets and year-round community events create a vibrant neighborhood atmosphere. If you're looking for a home that combines privacy, luxury upgrades, flexible living spaces and incredible amenities, this is the one you've bene waiting for.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,494
Sqft
0.21 ac
Lot size
3
Garage
2015
Year built
One
Levels
$190
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.
$3,718 /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
$3,718/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
−0.2%
$/sqft vs BELLALAGO PH 4K
$190 vs $197
Days on market
20 vs 45 typical
Where $190/sqft sits among the 10 homes for sale in BELLALAGO PH 4K
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 Bellalago
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
Bellalago — neighborhood snapshot
Population
4,492
Median age
34
Median income
$71,865
Median home value
$432,300
Avg household
3
Households w/ children
404
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)
6 of 10
BELLALAGO PH 4K have cut their price
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3820 BOWFIN TRAIL
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$525,000
3881 SHORESIDE DRIVE · same community
4 bd · 3 ba · 2,430 sqft · $216/sqft · 48 DOM
Sold · Jan ’26$436,000
3856 SHORESIDE DRIVE · same community
4 bd · 3 ba · 2,413 sqft · $181/sqft · 74 DOM
Sold · Mar ’26$430,000
3888 BOWFIN TRAIL · same community
4 bd · 2 ba · 2,398 sqft · $179/sqft · 186 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 3820 BOWFIN TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3820 BOWFIN TRAIL — 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
3820 BOWFIN TRAIL FAQs
What would the monthly payment be for 3820 BOWFIN TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,718/mo — principal and interest, the actual property-tax bill, the $205/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 3820 BOWFIN TRAIL?+
The association fee works out to $205 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3820 BOWFIN TRAIL?+
The most recent tax bill on record (2025) was $4,163. 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 3820 BOWFIN TRAIL?+
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 $475,000, this home is listed about 25% above the Kissimmee median of $379,850. The market section on this page shows how the area is trending.
Which schools are assigned to 3820 BOWFIN TRAIL?+
Bellalago Charter Academy (elementary), Liberty 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 HOMEVEST REALTY · Erica Diaz. MLS #O6420099.
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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