8515 PALM HARBOR DRIVE, KISSIMMEE, FL, 34747
Active93 days on marketListed May 4, 2026MLS #S5149105
About this home
8515 PALM HARBOR DRIVE
Don't miss this Disney area pool home for sale. Looking for an unfurnished property so you can bring your style of furnishings to your next residence or short term rental property purchase. This 5-bedroom, 4-bathroom home is located at 8515 Palm Harbour Dr in Kissimmee Florida in the prestigious Emerald Island Resort with a 24 hour gated and guarded community, just minutes from Walt Disney World. 2,317 square feet of living space. New AC unit 2024, Pool was resurfaced in 2025, new pool pump and motor in 2025. One of the largest corner lots in the community. Enjoy a spacious open-plan, living and dining area perfect for both family gatherings and entertaining. The kitchen features stainless steel appliances, ample counter space and a cozy breakfast nook. Each of the five large bedrooms provides a peaceful retreat with the main bedroom suite on the first floor offering a private en-suite bathroom with a tub and separate shower. Also on the first floor is another bedroom with a bathroom with shower just across the hall. The home also has a second en-suite bedroom and bathroom upstairs. With the rest of the bedrooms upstairs. The house has a central AC and heating system, that allows for efficient temperature control throughout the home. Step outside to your private backyard oasis, complete with a heated swimming pool, spa, and large covered patio, ideal for enjoying the Florida sunshine or relaxing in the evenings. Located in a 24-hour gated and guarded community, this home provides access to incredible amenities such as a clubhouse with a fitness center, tennis courts, basketball, waking trail, volley ball with a peaceful and secure environment. The HOA fee covers cable TV, internet, landscaping, and 24 hour gated security, ensuring ease and comfort for everyone. Parkes, shopping and schools are just minutes away.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,317
Sqft
0.21 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$196
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.
$3,626 /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
$3,626/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
−6.8%
$/sqft vs Kissimmee actives
$196 vs $208
Days on market
93 vs 53 typical
Where $196/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.
The investor lens
Two ways this home pays
This home sits inside Emerald Island, 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
$2,100/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 Emerald Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Emerald Island is a short-term-rental community. See the full guide →
Emerald Island — neighborhood snapshot
Population
404
Median age
43
Median income
$76,205
Median home value
$469,300
Avg household
2
Households w/ children
24%
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)
164 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 14% above the KISSIMMEE 34747 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 8515 PALM HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$460,000
8598 SUNRISE KEY DRIVE · same community
5 bd · 4 ba · 2,286 sqft · $201/sqft · 1 DOM
Sold · May ’26$447,500
8542 PALM HARBOR DRIVE · same community
6 bd · 4.5 ba · 2,881 sqft · $155/sqft · 37 DOM
Sold · Dec ’25$540,000
2703 GRAND HARBOUR COURT · same community
7 bd · 4.5 ba · 2,881 sqft · $187/sqft · 13 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 8515 PALM HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8515 PALM HARBOR DRIVE — 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
8515 PALM HARBOR DRIVE FAQs
What would the monthly payment be for 8515 PALM HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,626/mo — principal and interest, the actual property-tax bill, the $115/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 8515 PALM HARBOR DRIVE?+
The association fee works out to $115 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8515 PALM HARBOR DRIVE?+
The most recent tax bill on record (2025) was $5,725. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 8515 PALM HARBOR DRIVE be rented short-term?+
Yes — this home sits inside Emerald Island, 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 8515 PALM HARBOR DRIVE?+
The listing reports pets: Breed Restrictions. 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 $454,000, this home is listed about 20% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8515 PALM HARBOR DRIVE?+
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
$454,000 runs 14% above the KISSIMMEE 34747 median — but at 2,317 sqft it's also 28% larger than the typical Kissimmee listing.
02Zoned for nightly rentals
Emerald Island 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 $490,000, now $454,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AMERICAN IDEAL HOMES, LLC · Bernard Scarpa. MLS #S5149105.
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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