David Ramirez
$930,000$1,195,0005 bd4.5 ba3,845 sqft$242 /sqft$6,638 /mo all-in ↓

1407 WATER LILLY LANE, KISSIMMEE, FL, 34744

Active469 days on marketListed Apr 27, 2025MLS #S5125695

Reduced $265KPrivate poolSingle Family ResidenceKISSIMMEE BAY

About this home

1407 WATER LILLY LANE

Welcome to your next home in the prestigious gated community of Kissimmee Bay Country Club, where luxury, technology, and nature come together in perfect harmony, offering breathtaking views of the majestic Lake Tohopekaliga (Lake Toho). This spectacular, fully renovated residence features 5 spacious bedrooms and 4.5 bathrooms, thoughtfully designed to provide comfort, elegance, and functionality. The primary suite, located on the first floor, offers private access to the pool and kitchen, along with a spa-style bathroom complete with a sauna—perfect for relaxation. The main level also includes an additional bedroom ideal for a home office or guest suite. Upstairs, you’ll find three additional bedrooms: one with a private en-suite bathroom and two that share a full bath, offering both privacy and flexibility. The interior showcases a modern and sophisticated design, featuring porcelain tile flooring on the main level and waterproof, light-toned laminate flooring upstairs and on the staircase, beautifully simulating natural wood for a warm and elegant ambiance. The open-concept layout seamlessly connects the kitchen, living room, and dining area, all with stunning views of the private pool and the lake. The chef-inspired kitchen includes quartz countertops, modern cabinetry, ample storage, a walk-in pantry with an additional refrigerator, an electric stove, and a full-house water filtration system with UV technology. Designed as a true smart home, this property includes: • USB and USB-C charging outlets throughout the home • Smart lighting controlled via the Kasa app • Remote-access smart locks • Smart intercom system connecting key areas of the home All systems can be conveniently controlled from your smartphone, providing maximum comfort, efficiency, and security. The main living area features a sleek electric fireplace, while the home also includes a fully equipped private gym with lake views, creating an inspiring space for workouts. The outdoor area is truly exceptional, featuring a pool with spa and waterfall, a fully equipped grilling area, a convenient poolside bathroom, ambient evening lighting, and a spacious backyard where you can enjoy beautiful sunrises and local wildlife, including birds, turtles, ducks, squirrels, and rabbits. For energy efficiency, the home includes a solar water heater, two additional traditional water heaters, three A/C units, and a new pool pump. The property also offers covered parking for three vehicles, plus additional space for up to eight more. Residents of Kissimmee Bay Country Club enjoy exclusive community amenities: • Private golf course • Tennis and basketball courts • Recreational park and event hall • Private boat dock with water access • RV and boat parking (annual lease available) • High-speed internet included in the HOA (Spectrum) Additionally, the property offers: • Boat parking available for an annual fee Don’t miss the opportunity to live in a home where luxury, smart technology, and nature create an unparalleled living experience on beautiful Lake Toho. Schedule your private tour today.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,845

Sqft

0.25 ac

Lot size

3

Garage

2004

Year built

Two

Levels

$242

Per sqft

Private poolFireplaceWater viewNegotiablePets allowed

Inside

FlooringPorcelain Tile · Vinyl
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer · Water Filtration System · Water Purifier
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Sauna · Thermostat · Walk-In Closet(s)
LaundryIn Kitchen · Inside · Laundry Room
CoolingCentral Air · Zoned
HeatingElectric · Zoned
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationBlock · Slab
ViewWater
FacesEast
ParkingCircular Driveway · Garage Door Opener
ExteriorBalcony · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Shower · Sidewalk · Tennis Court(s)

Community & fees

HOA fee$195/mo
Taxes (2024)$10,992/yr
PetsYes
CommunityDeed Restrictions · Gated Community - No Guard · Golf Carts OK · Park · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Natural Gas Available · Private · Propane · Water Available · Water Connected
WaterPublic

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.

$6,638 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,018
PMI (est., until 20% equity)$349
Property tax — 2024 actual bill$916
HOA fee — from the listing$195
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $93,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $93,000
Interest rate6.00%
Loan term

Estimated payment

$6,638/mo

Principal & interest$5,018
PMI (est., until 20% equity)$349
Property taxes (actual bill)$916
HOA / condo fee$195
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $930K
$893KedgeAI estimate $1,081,037 · range $1.0M$1.2M$1.3M

vs edgeAI estimate

−14%

$/sqft vs Kissimmee actives

$242 vs $210

Days on market

469 vs 54 typical

Where $242/sqft sits among the 400 Kissimmee actives

78
128
103 · this home
46
15
30
$149–181$181–212$212–243$243–274$274–305$305+

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 Bay Country Club

Map of 1407 WATER LILLY LANE inside its neighborhood boundary

Drive times from this address

Orlando Int’l Airport (MCO)29 min
Universal Orlando33 min
Walt Disney World34 min
Downtown Orlando34 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Kissimmee. See the full Kissimmee guide →

Kissimmee Bay Country Club — neighborhood snapshot

Population

1,953

Median age

38

Median income

$91,875

Median home value

$380,400

Avg household

3

Households w/ children

283

For the school run

Osceola County School District

ElementaryPartin Settlement Elementary School★★★★
HighGateway High School★★★★★
MiddleNeptune Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Kissimmee market

Seller’s marketLeans buyer7.2 months of inventoryBuyer’s market

$365K$359K

Kissimmee median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

176 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 142% above the KISSIMMEE 34744 median. See the full Kissimmee market guide →

Paper trail

This home's history

CurrentPrice reduced to $930,000 $265K
Apr 27, 2025Listed at $1,195,000 · 469 days on market since
2004Built · KISSIMMEE BAY

Reality check

What actually sold near 1407 WATER LILLY LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1752 LEE JANZEN DRIVESold · May ’26

$530,000

1752 LEE JANZEN DRIVE · same community

5 bd · 4 ba · 3,376 sqft · $157/sqft · 17 DOM

1705 ELSIE PARK COURTSold · Jan ’26

$615,000

1705 ELSIE PARK COURT · same community

4 bd · 3.5 ba · 3,266 sqft · $188/sqft · 82 DOM

2743 KISSIMMEE BAY CIRCLESold · Jul ’26

$635,000

2743 KISSIMMEE BAY CIRCLE · same community

4 bd · 3 ba · 2,856 sqft · $222/sqft · 113 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1407 WATER LILLY LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1407 WATER LILLY LANE — 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.

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Goes straight to David’s phone and CRM.

Straight answers

1407 WATER LILLY LANE FAQs

What would the monthly payment be for 1407 WATER LILLY LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,638/mo — principal and interest, the actual property-tax bill, the $195/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 1407 WATER LILLY LANE?+

The association fee works out to $195 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1407 WATER LILLY LANE?+

The most recent tax bill on record (2024) was $10,992. 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 1407 WATER LILLY LANE?+

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 $930,000, this home is listed about 145% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1407 WATER LILLY LANE?+

Partin Settlement Elementary School (elementary), Gateway High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$930,000 runs 142% above the KISSIMMEE 34744 median — but at 3,845 sqft it's also nearly twice the size of the typical Kissimmee listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

469 days on market against a Kissimmee median of 54 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,195,000, now $930,000 — a $265K cut. The full history is in the market section below.

Listing courtesy of LPT REALTY, LLC · Mariana Rondon. MLS #S5125695.

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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