David Ramirez
Short-Term Rental Eligible
$390,000$395,0004 bd3 ba1,636 sqft$238 /sqft$3,585 /mo all-in ↓

8535 BAY LILLY LOOP, KISSIMMEE, FL, 34747

Active185 days on marketListed Jan 19, 2026MLS #S5141962

Reduced $5KPrivate poolTownhouseENCANTADA PH 1

About this home

8535 BAY LILLY LOOP

Your dream getaway awaits in this charming, fully furnished 4-bedroom end-unit townhome featuring a rare oversized private pool and sun-drenched patio! Located in the guard-gated, resort-style Encantada community, this spacious townhome offers an unbeatable combination of luxury, comfort, and convenience. Whether you’re searching for the perfect vacation retreat, Airbnb/VRBO investment, or a centrally located residence, this property delivers it all. Step inside to discover tile flooring throughout the main level, while the upstairs boasts brand-new vinyl plank flooring that adds a fresh, modern touch. The layout is thoughtfully designed with one bedroom and an ensuite bathroom conveniently located downstairs, making it an excellent option for those seeking single-level accessibility. To further add to accessibility, the sellers have converted the tub into a spacious, modern walk-in shower, offering both style and ease of use. The main floor also includes a laundry closet featuring a top-of-the-line washer and dryer for ultimate convenience. Upstairs, the main suite impresses with its spacious ensuite bathroom, while two additional secondary bedrooms share a third bathroom, offering plenty of room for everyone. The true standout of this home is the extra-large private pool—one of the largest in the neighborhood. A pool cover on a roll ensures conserving the heat is a breeze and only takes minutes to put on or take off. Inside, thoughtful details enhance the home’s appeal, including crown molding throughout the living spaces, a smart thermostat for efficient climate control, and surround sound speakers for an elevated entertainment experience. The kitchen is equipped with a convenient water filtration system installed under the sink, and the home also features gutters with leaf guards and downspouts for low-maintenance living. Two digital wall safes provide added security for your valuables. For even greater peace of mind, the property is equipped with exterior lighting and cameras for enhanced security. Encantada’s HOA dues include many major ownership costs that buyers typically pay separately in many townhome communities. The HOA covers scheduled roof replacements for all buildings, needed stucco and exterior building repairs, full structural building insurance (which now can cost over $6,000 per year for Florida homeowners), 24 hour manned security at the gatehouse and bulk high speed internet, cable TV including multiple HBO channels, and home phone service (which commonly runs $140-$200 per month if purchased individually). In addition, the dues include access to extensive resort amenities such as a staffed clubhouse with a fitness center and café, along with zero entry heated pool, a large main pool, and two spas. The community is built around a scenic lake with a covered fishing pier, a playground area, and includes professional landscaping, irrigation, lighting, surveillance systems, and long-term reserve funding for major infrastructure. The location could not be better! Just minutes from US-192 with its endless shopping and dining options, this home is also a short 15-minute drive to Disney parks, 30 minutes to Universal Studios, and 30 minutes to Orlando International Airport. Don’t miss the opportunity to own this exceptional townhome that combines comfort, style, and convenience in one of the most sought-after resort-style communities!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

1,636

Sqft

0.06 ac

Lot size

2006

Year built

Two

Levels

$238

Per sqft

Private poolTurnkeyPets allowed

Inside

FlooringCarpet · Ceramic Tile · Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedTurnkey

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesSouthwest
ParkingOpen
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$594/mo
Taxes (2026)$4,354/yr
PetsYes
CommunityClubhouse · Fitness Center · Gated Community - Guard · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Phone Available · Public · Sewer Connected · 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.

$3,585 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,296
FHA mortgage insurance (est.)$172
Property tax — 2026 actual bill$363
HOA fee — from the listing$594
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,650Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,650
Interest rate6.00%
Loan term

Estimated payment

$3,585/mo

Principal & interest$2,296
FHA mortgage insurance (est.)$172
Property taxes (actual bill)$363
HOA / condo fee$594
Est. insurance$160

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.

List $390K
$360KedgeAI estimate $380,701 · range $375K$395K$410K

vs edgeAI estimate

+2.4%

Days on market

185 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.

The investor lens

Two ways this home pays

This home sits inside Encantada, 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

Nightly rentalsAllowed
CommunityEncantada
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,150/mo median

MarketKissimmee
Annual gross at median$25,800
Gross yield on this price6.6%
Homes for rent right now1,140

Live Kissimmee rental listing data — this home’s rate depends on size, condition and furnishing.

The Four Corners short-term market

▼ Softening

48%

Occupancy

▼ 37% yr/yr

$325

Avg nightly rate

▲ 13% yr/yr

$38K/yr

Revenue per listing

$151

RevPAR

78 days

Booking lead time

5.7 nights

Avg stay

3

Typical min nights

11,479

Active rentals

▼ 20% supply

Seasonality — monthly occupancy

Peaks at 57% in Jul · bottoms at 36% in Jun

44%
56%
55%
54%
44%
36%
57%
48%
39%
44%
44%
46%
JanFebMarAprMayJunJulAugSepOctNovDec

Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Four Corners — the projection above is specific to this home’s size.

Where it sits

Inside Encantada

Map of 8535 BAY LILLY LOOP inside its neighborhood boundary

Drive times from this address

Walt Disney World14 min
Universal Orlando27 min
Downtown Orlando33 min
Orlando Int’l Airport (MCO)38 min
Downtown Tampa70 min

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

Encantada is a short-term-rental community. See the full guide →

Encantada — neighborhood snapshot

Population

2,005

Median age

31

Median income

$60,500

Median home value

$229,500

Avg household

2

Households w/ children

394

For the school run

Osceola County School District

ElementaryWestside K-8 School★★★★
HighCelebration High School★★★★★

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

The numbers that matter

The Kissimmee market

Seller’s marketLeans buyer8.9 months of inventoryBuyer’s 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 2% below the KISSIMMEE 34747 median. See the full Kissimmee market guide →

Paper trail

This home's history

CurrentPrice reduced to $390,000 $5K
Jan 19, 2026Listed at $395,000 · 185 days on market since
2006Built · ENCANTADA PH 1

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 8535 BAY LILLY LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8535 BAY LILLY LOOP — 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.

Goes straight to David’s phone and CRM.

Straight answers

8535 BAY LILLY LOOP FAQs

What would the monthly payment be for 8535 BAY LILLY LOOP?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,585/mo — principal and interest, the actual property-tax bill, the $594/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 8535 BAY LILLY LOOP?+

The association fee works out to $594 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 8535 BAY LILLY LOOP?+

The most recent tax bill on record (2026) was $4,354. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 8535 BAY LILLY LOOP be rented short-term?+

Yes — this home sits inside Encantada, 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 8535 BAY LILLY LOOP?+

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 $390,000, this home is listed about 3% above the Kissimmee median of $379,850. The market section on this page shows how the area is trending.

Which schools are assigned to 8535 BAY LILLY LOOP?+

Westside K-8 School (elementary), Celebration High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Zoned for nightly rentals

Encantada 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.

02Your own pool

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

03Know the monthly fee

The association fee is $594/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Time on market is leverage

185 days on market against a Kissimmee median of 45 — sellers in this position are usually ready to negotiate.

05The price has already moved

Listed at $395,000, now $390,000 — a $5K cut. The full history is in the market section below.

Listing courtesy of LA ROSA REALTY LLC · Irena Aistrop. MLS #S5141962.

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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