3870 BOWFIN TRAIL, KISSIMMEE, FL, 34746
Active32 days on marketListed Jul 3, 2026MLS #O6422102
About this home
3870 BOWFIN TRAIL
A Home of Quiet Luxury and Lasting Quality... The difference is in the details. It's rare to find a home where exceptional upgrades, a thoughtfully designed floor plan, backyard privacy, and an amenity-rich community come together so seamlessly. Built in 2022 and impeccably maintained, this stunning 4-bedroom, 3.5-bath residence offers more than 2,763 square feet of beautifully appointed living space with finishes typically found in homes at a much higher price point. From the moment you step inside, you'll notice the difference. Soaring 10-foot ceilings, elegant 8-foot doors, extensive crown molding, high-end waterproof wood grained laminate flooring, custom plantation shutters, designer ceiling fans, and beautiful custom built-ins create a home that feels both refined and welcoming. The gourmet kitchen is the true centerpiece, anchored by an impressive 5' x 10' island designed for gathering. Premium cabinetry, custom pantry shelving, water filtration, designer finishes, and handcrafted granite tile accents elevate the space, while the open-concept layout keeps everyone connected. An expansive 8' x 12' triple sliding glass door opens the great room to the oversized screened lanai with outdoor ceiling fans, creating effortless indoor-outdoor living that's perfect for entertaining or simply enjoying a quiet Florida evening. Enjoy the privacy of no rear neighbors and an oversized backyard with plenty of room to create the custom pool and outdoor oasis you've always envisioned. The split-bedroom floor plan provides comfort and privacy for family and guests alike. The spacious owner's suite offers a true retreat with a custom-designed walk-in closet featuring direct access to the beautifully appointed laundry room, complete with built-in cabinetry, a utility sink, and additional storage. The oversized 3-car tandem garage offers exceptional flexibility for additional vehicles, a golf cart, workshop, home gym, or all the storage you'll ever need, complete with overhead storage racks. Built with insulated concrete block construction for energy efficiency and lower utility costs, this home also features a new A/C refrigerant line and coolant, blue-light antimicrobial technology integrated into both the HVAC system and bathroom exhaust fans, and the added confidence of a completed home inspection. Located within Bellalago's award-winning, guard-gated waterfront community on the shores of Lake Tohopekaliga, residents enjoy resort-style pools with a waterslide, state-of-the-art fitness centers, tennis and basketball courts, playgrounds, scenic walking trails, private boat ramps and docks, championship bass fishing, and an impressive lakeside clubhouse—all just minutes from shopping, dining, schools, medical facilities, and Orlando's world-famous attractions. Beautifully upgraded. Wonderfully maintained. Perfectly positioned. Welcome home.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,763
Sqft
0.21 ac
Lot size
3
Garage
2022
Year built
One
Levels
$198
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.
$4,255 /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
$4,255/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
+4.9%
$/sqft vs BELLALAGO PH 4K
$198 vs $196
Days on market
32 vs 51 typical
Where $198/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
$365K → $353K
Kissimmee median sold, yr/yr
97.3%
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 57% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3870 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 · Sep ’25$500,000
3870 BOWFIN TRAIL · same community
4 bd · 3.5 ba · 2,763 sqft · $181/sqft · 20 DOM
Sold · Feb ’26$445,000
3898 BOWFIN TRAIL · same community
4 bd · 3 ba · 2,808 sqft · $158/sqft · 147 DOM
Sold · Aug ’25$525,000
3881 SHORESIDE DRIVE · same community
4 bd · 3 ba · 2,430 sqft · $216/sqft · 48 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 3870 BOWFIN TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3870 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
3870 BOWFIN TRAIL FAQs
What would the monthly payment be for 3870 BOWFIN TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,255/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 3870 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 3870 BOWFIN TRAIL?+
The most recent tax bill on record (2025) was $5,072. 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 3870 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 $547,777, this home is listed about 45% above the Kissimmee median of $378,495. The market section on this page shows how the area is trending.
Which schools are assigned to 3870 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 EPIQUE REALTY INC. · Jennifer Riley. MLS #O6422102.
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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