3801 BOWFIN TRAIL, KISSIMMEE, FL, 34746
Active51 days on marketListed Jun 13, 2026MLS #S5151840
About this home
3801 BOWFIN TRAIL
Welcome to 3801 Bowfin Trail, Kissimmee, FL 34746 — a beautifully maintained WATERFRONT ACCESS HOME located in the award-winning resort-style community of Bellalago. Positioned on a premium lot with only one direct neighbor, this exceptional one-story residence offers 3 bedrooms, 2 bathrooms, a dedicated den/study or 4th bedroom, and a spacious 3-car garage. Nestled on a quiet corner homesite, the property backs directly to waterfront access leading to Lake Tohopekaliga, creating a peaceful setting with added privacy and beautiful natural surroundings. Designed with both comfort and functionality in mind, the open-concept floor plan seamlessly connects the living, dining, and kitchen areas, making it ideal for entertaining or everyday living. Large windows fill the home with natural light while the covered lanai provides the perfect space to relax and enjoy Florida's outdoor lifestyle. This home has been lightly lived in as a secondary residence, occupied approximately 6–8 weeks per year, resulting in minimal wear and exceptional overall condition. For added peace of mind, a NEW A/C SYSTEM was installed approximately two months ago. When built, the owners selected numerous upgrades, including: • Upgraded cabinetry in the kitchen, bathrooms, and laundry room • Laundry room cabinets • Upgraded tile flooring throughout the main living areas, bathrooms • Interior paint upgrades • Upgraded master shower and soaking tub • Upgraded sinks and plumbing fixtures • Upgraded front entry door • Window blinds throughout • Security system installation • Added gutters • Over-cabinet electrical outlets • Covered lanai and paver driveway Beyond the home itself, Bellalago offers one of the most impressive lifestyle experiences in Central Florida. This master-planned waterfront community showcases stunning Spanish Mediterranean architecture, barrel tile roofs, lush landscaping, scenic water views, and resort-inspired amenities throughout. Residents enjoy: • 24-hour manned gated security • Direct access to Lake Tohopekaliga via private boat ramp and lakefront docks • Three resort-style swimming pools • Two state-of-the-art fitness centers • Tennis, pickleball and basketball courts • Walking and biking trails • Fishing pier and waterfront recreation areas • Dog parks and playgrounds • Daily community activities and fitness classes • On-site poolside restaurant and gathering spaces • Cable TV included through the HOA Whether you're looking for a full-time residence, seasonal retreat, or waterfront lifestyle without the waterfront price tag, 3801 Bowfin Trail offers an incredible opportunity to enjoy one of Central Florida's premier lakefront communities. Come experience the Bellalago lifestyle and discover why so many residents proudly call this community home.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,398
Sqft
0.26 ac
Lot size
3
Garage
2015
Year built
One
Levels
$188
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.
$3,922 /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
$3,922/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
+4.9%
$/sqft vs BELLALAGO PH 4K
$188 vs $197
Days on market
51 vs 51 typical
Where $188/sqft sits among the 10 homes for sale in BELLALAGO PH 4K
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 Bellalago
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
Bellalago — neighborhood snapshot
Population
4,492
Median age
34
Median income
$71,865
Median home value
$432,300
Avg household
3
Households w/ children
404
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 → $355K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
5 of 10
BELLALAGO PH 4K have cut their price
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3801 BOWFIN TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$430,000
3888 BOWFIN TRAIL · same community
4 bd · 2 ba · 2,398 sqft · $179/sqft · 186 DOM
Sold · Jan ’26$436,000
3856 SHORESIDE DRIVE · same community
4 bd · 3 ba · 2,413 sqft · $181/sqft · 74 DOM
Sold · Aug ’25$525,000
3881 SHORESIDE DRIVE · same community
4 bd · 3 ba · 2,430 sqft · $216/sqft · 48 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 3801 BOWFIN TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3801 BOWFIN TRAIL — 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
3801 BOWFIN TRAIL FAQs
What would the monthly payment be for 3801 BOWFIN TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,922/mo — principal and interest, the actual property-tax bill, the $364/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 3801 BOWFIN TRAIL?+
The association fee works out to $364 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3801 BOWFIN TRAIL?+
The most recent tax bill on record (2025) was $6,598. 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 3801 BOWFIN TRAIL?+
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 $450,000, this home is listed about 19% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3801 BOWFIN TRAIL?+
Bellalago Charter Academy (elementary), Liberty 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
01Positioned at the premium end
$450,000 runs 29% above the KISSIMMEE 34746 median — but at 2,398 sqft it's also 33% larger than the typical Kissimmee listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $475,000, now $450,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NONA LEGACY POWERED BY LA ROSA · Alex Vazquez. MLS #S5151840.
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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