
8535 BAY LILLY LOOP, KISSIMMEE, FL, 34747
Active185 days on marketListed Jan 19, 2026MLS #S5141962
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
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.
$3,585 /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
$3,585/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
+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
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.
The Four Corners short-term market
▼ Softening48%
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
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
Drive times from this address
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
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)
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
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 8535 BAY LILLY LOOP — start here.

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.
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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