David Ramirez
Short-Term Rental Eligible
$480,000$500,0004 bd2 ba1,778 sqft$270 /sqft$3,659 /mo all-in ↓

2948 PEMBRIDGE STREET, KISSIMMEE, FL, 34747

Active100 days on marketListed Apr 28, 2026MLS #S5148845

Reduced $20KPrivate poolSingle Family ResidenceLINDFIELDS UNIT 3

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Upcoming open house

Sat, Aug 8

1:00 PM – 4:00 PM

About this home

2948 PEMBRIDGE STREET

A rare no-HOA opportunity just minutes from Disney — this beautifully furnished 4-bedroom, 2-bathroom pool home delivers one of the most impressive outdoor living setups you'll find in this price range. With no HOA restrictions, a turnkey furnished interior, and tens of thousands of dollars in recent upgrades, this property is ready to live in, rent out, or enjoy as a Central Florida getaway from day one. Maintained by its original owner since 1991, the home shows true pride of ownership throughout. A welcoming foyer opens into a bright, vaulted dining room that flows into the kitchen, with tile flooring throughout the main living spaces. The split-bedroom layout offers excellent privacy — the spacious primary suite sits on its own side of the home and features French doors leading directly to the pool deck, a walk-in closet, and an updated ensuite bathroom with a brand-new shower and double sinks. Three additional bedrooms on the opposite side share a tastefully refreshed second bathroom with new sinks and updated shower tile, offering flexibility for guests, a home office, or hobby space. The outdoor space is where this property truly stands out. The screened enclosure measures roughly 42 feet wide by nearly 38 feet deep — an enormous footprint anchored by a free-form pool with solar heating and an extended sundeck. The covered lanai is generously sized and ready for outdoor dining, lounging, or entertaining, with opaque privacy panels along the screen enclosure adding a welcome sense of seclusion. Mature trees beyond the pool cage complete the peaceful setting. The list of recent upgrades is genuinely impressive. A new roof was installed in 2024 ($29,000), along with new solar pool heating panels ($7,500). All windows have been replaced with energy-efficient double-glazed units and exterior doors have been upgraded — including French doors in place of standard sliders — for a combined investment of over $17,000. Add fresh exterior paint, all-new interior blinds, all-new toilets, newer appliances, a Nest smart thermostat, Whirlpool washer and dryer, Rainbird irrigation, and a pool cover, and the costly behind-the-scenes work is already done. The home comes fully furnished and turnkey — ideal for a short-term rental, vacation home, or move-in-ready primary residence. The location is hard to beat: roughly 10 minutes to Walt Disney World, 5 minutes to US-192 shopping and dining, 5 minutes to I-4, 20 minutes to Universal Studios, and 30 minutes to Orlando International Airport. Florida's east coast beaches are about 90 minutes away, with Gulf coast beaches around two hours. With no HOA restrictions, a standout outdoor setup, extensive upgrades, and a fully furnished interior in a high-demand Kissimmee location, 2948 Pembridge Street is a rare opportunity offering true freedom of ownership and exceptional flexibility.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,778

Sqft

0.17 ac

Lot size

2

Garage

1991

Year built

One

Levels

$270

Per sqft

Private poolTurnkeyPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedTurnkey

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesEast
ParkingDriveway · Garage Door Opener
ExteriorSidewalk

Community & fees

Taxes (2025)$5,527/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,659 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,826
FHA mortgage insurance (est.)$212
Property tax — 2025 actual bill$461
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,800Loan30-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% · $16,800
Interest rate6.00%
Loan term

Estimated payment

$3,659/mo

Principal & interest$2,826
FHA mortgage insurance (est.)$212
Property taxes (actual bill)$461
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 $480K
$398KedgeAI estimate $417,734 · range $415K$425K$499K

vs edgeAI estimate

+14.9%

$/sqft vs Kissimmee actives

$270 vs $209

Days on market

100 vs 53 typical

Where $270/sqft sits among the 400 Kissimmee actives

89
123
96
48 · this home
17
27
$154–183$183–213$213–242$242–272$272–301$301+

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 Lindfields, 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
CommunityLindfields
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

$2,100/mo median

MarketKissimmee
Annual gross at median$25,200
Gross yield on this price5.3%
Homes for rent right now982

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

The Florida 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 Florida — the projection above is specific to this home’s size.

Where it sits

Inside Lindfields

Map of 2948 PEMBRIDGE STREET 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.

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

Lindfields — neighborhood snapshot

Population

2,002

Median age

34

Median income

$64,381

Median home value

$280,735

Avg household

2

Households w/ children

312

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 buyer7.2 months of inventoryBuyer’s market

$365K$350K

Kissimmee median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

169 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 20% above the KISSIMMEE 34747 median. See the full Kissimmee market guide →

Paper trail

This home's history

CurrentPrice reduced to $480,000 $20K
Apr 28, 2026Listed at $500,000 · 100 days on market since
1991Built · LINDFIELDS UNIT 3

Reality check

What actually sold near 2948 PEMBRIDGE STREET

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

2943 PADDINGTON WAYSold · Jun ’26

$399,900

2943 PADDINGTON WAY · same community

3 bd · 2 ba · 1,840 sqft · $217/sqft · 32 DOM

2955 PEMBRIDGE STREETSold · May ’26

$435,000

2955 PEMBRIDGE STREET · same community

4 bd · 2.5 ba · 1,910 sqft · $228/sqft · 65 DOM

2930 PEMBRIDGE STREETSold · Feb ’26

$530,000

2930 PEMBRIDGE STREET · same community

4 bd · 2.5 ba · 2,436 sqft · $218/sqft · 35 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 2948 PEMBRIDGE STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2948 PEMBRIDGE STREET — before you fall in love.

See it in person

Schedule a tour

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Straight answers

2948 PEMBRIDGE STREET FAQs

What would the monthly payment be for 2948 PEMBRIDGE STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,659/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 2948 PEMBRIDGE STREET?+

The most recent tax bill on record (2025) was $5,527. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 2948 PEMBRIDGE STREET be rented short-term?+

Yes — this home sits inside Lindfields, 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 2948 PEMBRIDGE STREET?+

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 $480,000, this home is listed about 27% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2948 PEMBRIDGE STREET?+

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

Four things that matter here

01Positioned at the premium end

$480,000 runs 20% above the KISSIMMEE 34747 median.

02Zoned for nightly rentals

Lindfields 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.

03Your own pool

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

04The price has already moved

Listed at $500,000, now $480,000 — a $20K cut. The full history is in the market section below.

Listing courtesy of LA ROSA REALTY LLC · Irena Aistrop. MLS #S5148845.

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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