3827 BAY CLUB CIR UNIT 103, KISSIMMEE, FL, 34741
Active102 days on marketListed May 4, 2026MLS #S5149138
About this home
3827 BAY CLUB CIR UNIT 103
Updated first-floor condo offering 2 bedrooms and 2 bathrooms with bright white walls and no carpet throughout—creating a clean, modern feel from the moment you walk in. The open kitchen features a convenient breakfast bar, separate dining area, and a spacious pantry for added storage. A split floor plan provides privacy, with generously sized bedrooms and updated bathrooms that include custom sink spouts and upgraded bathtubs. Step outside to your screened-in patio—perfect for enjoying Florida living year-round without the bugs. Washer and dryer hookups are available, just bring your own units! This move-in ready home is located in the desirable Arbors of Sendera community, where residents enjoy amenities including a pool, fitness center, clubhouse, and playground. Ideally situated off Columbia Ave and Hoagland Blvd in Kissimmee, you’ll love the convenience of being close proximity to shopping, dining, schools, and public transportation, with easy access to major highways. Just minutes from The Loop and a short drive to Orlando. Don’t miss your opportunity to make this beautifully updated condo your next home!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
910
Sqft
0.09 ac
Lot size
1989
Year built
One
Levels
$181
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.
$1,841 /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
$1,841/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
+4.3%
$/sqft vs Kissimmee actives
$181 vs $209
Days on market
102 vs 55 typical
Where $181/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)
189 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 21% below the KISSIMMEE 34741 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3827 BAY CLUB CIR UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$138,000
3828 BOWLINE CIRCLE UNIT 101 · same community
1 bd · 1 ba · 665 sqft · $208/sqft · 43 DOM
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
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 3827 BAY CLUB CIR UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3827 BAY CLUB CIR UNIT 103 — 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
3827 BAY CLUB CIR UNIT 103 FAQs
What would the monthly payment be for 3827 BAY CLUB CIR UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,841/mo — principal and interest, the actual property-tax bill, the $435/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 3827 BAY CLUB CIR UNIT 103?+
The association fee works out to $435 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3827 BAY CLUB CIR UNIT 103?+
The most recent tax bill on record (2025) was $2,427. 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 3827 BAY CLUB CIR UNIT 103?+
The listing reports pets: Cats OK, Dogs OK. 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 $164,900, this home is listed about 56% below the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3827 BAY CLUB CIR UNIT 103?+
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.
Keep looking
Similar homes nearby
Listing courtesy of ACKLEY LEGACY PROPERTIES, LLC · Kristen Chowdhury. MLS #S5149138.
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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