3540 VALLEYVIEW DR, KISSIMMEE, FL, 34746
Active48 days on marketListed Jun 19, 2026MLS #S5152021
About this home
3540 VALLEYVIEW DR
Welcome to this stunning, Mediterranean-inspired 5-bed, 4-bath masterpiece in the gated Bellalago community, offering over 3,000 sq. ft. of thoughtfully designed living space in Kissimmee’s premier lifestyle neighborhood. Step inside to an open floorplan with all-tile flooring, fresh interior paint, and designer light fixtures. The chef’s kitchen is well-appointed with modern cabinetry, granite countertops, stainless steel appliances, and custom backsplash, creating a bright, modern heart of the home. The main-level primary suite is a private retreat complete with natural light, walk-in closet, and spa-style bath with garden tub and separate shower. A versatile upstairs flex space with full bath offers endless possibilities — home office, media room, guest suite or play area. Outdoor living is effortless on the screened-in patio overlooking lush preserve, ideal for relaxing or entertaining. Additional highlights include a three-car garage with tile floor, cathedral ceilings, and split bedroom plan. Life in Bellalago means resort-style amenities — two clubhouses, community pools with slides, tennis & pickleball courts, fitness center, walking trails, boardwalk over Lake Toho with fishing piers and boat docks, on-site restaurant, and 24/7 manned gates for peace of mind. Convenient to shopping, dining, schools and major attractions, this home offers a perfect blend of luxury, comfort and community living. (Motivated Client)
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,037
Sqft
0.2 ac
Lot size
3
Garage
2005
Year built
Two
Levels
$178
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.
$4,346 /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
$4,346/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
+20.5%
$/sqft vs Kissimmee actives
$178 vs $209
Days on market
48 vs 53 typical
Where $178/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 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 → $350K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
168 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 55% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3540 VALLEYVIEW DR
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$540,000
2631 CAPTAINS COURT · same community
4 bd · 3.5 ba · 3,590 sqft · $150/sqft · 74 DOM
Sold · Nov ’25$670,000
3533 VALLEYVIEW DRIVE · same community
5 bd · 4.5 ba · 3,651 sqft · $184/sqft · 0 DOM
Sold · May ’26$410,000
2951 WESTVIEW COURT · same community
4 bd · 2 ba · 2,034 sqft · $202/sqft · 4 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 3540 VALLEYVIEW DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3540 VALLEYVIEW DR — 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
3540 VALLEYVIEW DR FAQs
What would the monthly payment be for 3540 VALLEYVIEW DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,346/mo — principal and interest, the actual property-tax bill, the $185/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 3540 VALLEYVIEW DR?+
The association fee works out to $185 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3540 VALLEYVIEW DR?+
The most recent tax bill on record (2025) was $7,000. 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 3540 VALLEYVIEW DR?+
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 $540,000, this home is listed about 42% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3540 VALLEYVIEW DR?+
Bellalago Charter Academy (elementary), Liberty 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 LA ROSA REALTY KISSIMMEE · Franklin Baez. MLS #S5152021.
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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