1280 S BEACH CIRCLE, KISSIMMEE, FL, 34746
Active9 days on marketListed Jul 20, 2026MLS #O6424976
About this home
1280 S BEACH CIRCLE
Welcome to this beautifully furnished 3-bedroom, 2.5-bath townhome in the desirable gated community of Fiesta Key, where comfort, convenience, and resort-style living come together just minutes from Walt Disney World and Central Florida's most popular attractions. Offering 1,468 square feet of heated living space and 1,673 total square feet. This well-maintained two-story home is ideal as a primary residence, vacation getaway, or income-producing investment, with short-term rentals permitted. The HVAC system was replaced in 2020, and a new dishwasher was installed in 2022, providing valuable updates for added peace of mind. Inside, you'll find a bright and functional floor plan featuring tile flooring throughout the main living areas, an inviting living room, and an open kitchen with a breakfast bar. Upstairs, the spacious primary suite offers a walk-in closet and private en-suite bath, while two additional bedrooms provide comfortable accommodations for family, guests, or a home office. Step outside to the private screened patio, creating the perfect space to enjoy Florida's beautiful weather, unwind after a day at the parks, or entertain friends and family. Residents of Fiesta Key enjoy a variety of resort-style amenities, including a community pool, tennis courts, fitness center, clubhouse, and beautifully maintained grounds. Conveniently located near shopping, dining, entertainment, US-192, and major roadways, this move-in-ready home offers exceptional flexibility and an outstanding opportunity to enjoy the Central Florida lifestyle. Once you step inside, you'll immediately appreciate how easily this home fits the way you want to live.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,468
Sqft
0.06 ac
Lot size
2005
Year built
Two
Levels
$181
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.
$2,507 /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
$2,507/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
+9%
$/sqft vs FIESTA KEY
$181 vs $184
Days on market
9 vs 45 typical
Where $181/sqft sits among the 17 homes for sale in FIESTA KEY
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 Fiesta Key, 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
$2,150/mo median
Live Kissimmee rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Fiesta Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Fiesta Key is a short-term-rental community. See the full guide →
KISSIMMEE 34746 — neighborhood snapshot
Population
57,181
Median age
37.6
Median income
$67,677
Median home value
$328,500
Avg household
3.13
Households w/ children
5,929
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)
9 of 17
FIESTA KEY have cut their price
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 1280 S BEACH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$225,000
1175 SOUTH BEACH CIRCLE · same community
3 bd · 2.5 ba · 1,468 sqft · $153/sqft · 168 DOM
Sold · Oct ’25$275,000
1176 S BEACH CIRCLE · same community
3 bd · 2.5 ba · 1,468 sqft · $187/sqft · 7 DOM
Sold · May ’26$225,000
1256 S BEACH CIRCLE · same community
3 bd · 2.5 ba · 1,468 sqft · $153/sqft · 68 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 1280 S BEACH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1280 S BEACH 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
1280 S BEACH CIRCLE FAQs
What would the monthly payment be for 1280 S BEACH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,507/mo — principal and interest, the actual property-tax bill, the $304/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 1280 S BEACH CIRCLE?+
The association fee works out to $304 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1280 S BEACH CIRCLE?+
The most recent tax bill on record (2025) was $4,386. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 1280 S BEACH CIRCLE be rented short-term?+
Yes — this home sits inside Fiesta Key, 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 1280 S BEACH 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 $265,000, this home is listed about 30% below the Kissimmee median of $379,850. The market section on this page shows how the area is trending.
Which schools are assigned to 1280 S BEACH CIRCLE?+
Kissimmee Middle School (middle), Flora Ridge Elementary School (elementary), Celebration High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the KISSIMMEE 34746 market on paper
$265,000 is 24% below the KISSIMMEE 34746 median of $349,990, and at $181/sqft it sits under the Kissimmee average of $216.
02Zoned for nightly rentals
Fiesta Key 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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Carlos German. MLS #O6424976.
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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