3849 BAY CLUB CIRCLE UNIT 204, KISSIMMEE, FL, 34741
Active135 days on marketListed Mar 30, 2026MLS #S5146820
About this home
3849 BAY CLUB CIRCLE UNIT 204
MOVE-IN READY | GATED COMMUNITY | PRIME KISSIMMEE LOCATION | PERFECT AS A PRIMARY HOME OR INVESTMENT 2-bedroom, 2-bath condominium located on the second floor of the desirable gated Arbors of Sendera community in the heart of Kissimmee. Perfect as a primary residence, seasonal getaway, or investment opportunity, this beautifully maintained home features an open and functional floor plan with a spacious living and dining room combination filled with natural light, creating the perfect space for relaxing or entertaining. The kitchen offers generous cabinet storage, a closet pantry, and an efficient layout designed for everyday living. The spacious primary suite includes a private en-suite bathroom with a walk-in shower, while the second bedroom and full guest bathroom provide comfort and flexibility for family, guests, or a home office. Step outside to your private screened balcony, an ideal place to enjoy your morning coffee or unwind after a long day. Residents enjoy outstanding community amenities including a swimming pool, fitness center, tennis courts, playground, and beautifully maintained grounds. Location is everything, and this home delivers! Conveniently situated just minutes from US-192, John Young Parkway, Osceola Parkway, Florida's Turnpike, and SR-417, providing quick access throughout Central Florida. Enjoy being close to The Loop shopping district, Publix, Walmart Neighborhood Market, Target, Home Depot, The Florida Mall, countless restaurants, shopping, entertainment, medical offices, and Osceola Regional Medical Center. World-renowned attractions including Walt Disney World, Disney Springs, Universal Orlando Resort, SeaWorld Orlando, and Orlando International Airport are all within an easy drive. Combining comfort, convenience, and an unbeatable location, this move-in-ready condo offers exceptional value in one of Central Florida's most desirable areas. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
910
Sqft
0.09 ac
Lot size
1989
Year built
One
Levels
$176
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.
$1,801 /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
$1,801/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
+1.1%
$/sqft vs Kissimmee actives
$176 vs $209
Days on market
135 vs 55 typical
Where $176/sqft sits among the 400 Kissimmee actives
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
KISSIMMEE 34741 — neighborhood snapshot
Population
56,429
Median age
33.9
Median income
$50,278
Median home value
$270,200
Avg household
2.94
Households w/ children
6,737
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 → $350K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
185 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 24% below the KISSIMMEE 34741 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3849 BAY CLUB CIRCLE UNIT 204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$205,500
4103 SPITFIRE AVENUE
2 bd · 2 ba · 930 sqft · $221/sqft · 59 DOM
Sold · Dec ’25$200,000
4132 FLYING FORTRESS AVENUE
2 bd · 2 ba · 930 sqft · $215/sqft · 13 DOM
Sold · Jun ’26$176,000
4177 FLYING FORTRESS AVENUE
2 bd · 2 ba · 930 sqft · $189/sqft · 111 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 3849 BAY CLUB CIRCLE UNIT 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3849 BAY CLUB CIRCLE UNIT 204 — 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
3849 BAY CLUB CIRCLE UNIT 204 FAQs
What would the monthly payment be for 3849 BAY CLUB CIRCLE UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,801/mo — principal and interest, the actual property-tax bill, the $429/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 3849 BAY CLUB CIRCLE UNIT 204?+
The association fee works out to $429 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3849 BAY CLUB CIRCLE UNIT 204?+
The most recent tax bill on record (2025) was $2,395. 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 3849 BAY CLUB CIRCLE UNIT 204?+
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 $160,000, this home is listed about 58% below the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3849 BAY CLUB CIRCLE UNIT 204?+
Flora Ridge Elementary School (elementary), Kissimmee Middle School (middle), Osceola 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 34741 market on paper
$160,000 is 24% below the KISSIMMEE 34741 median of $209,990, and at $176/sqft it sits under the Kissimmee average of $216.
02Time on market is leverage
135 days on market against a Kissimmee median of 55 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $175,900, now $160,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Lisbeth Diaz De Rico. MLS #S5146820.
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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