394 MONTEREY STREET, KISSIMMEE, FL, 34759
Active33 days on marketListed Jul 6, 2026MLS #S5153097
About this home
394 MONTEREY STREET
RARE LAKESIDE PARADISE! Experience exceptional active 55 plus community in this move-in-ready lakeside home, where striking curb appeal meets a thoughtfully designed layout. From the moment you enter, the property welcomes you with an immediate sense of warmth and an impressive view of the water. To the left of the foyer, a privately situated second bedroom and full bathroom an ideal layout for guests. Further down the hall, a convenient half-bath is positioned perfectly near the dedicated laundry room for seamless everyday functionality. The heart of the home opens up into a large, spacious kitchen and dining area designed for both casual meals and effortless entertaining. This culinary space features premium quartz countertops, modern stainless steel appliances, recessed lighting, and elegant 42-inch upper cabinets enhanced by under-cabinet lighting. From the kitchen, you face directly out to the water. You can enjoy these stunning lakeside vistas year-round from the enclosed lanai, which features its own dedicated mini-split A/C system for independent climate control, or enter the adjacent screened-in patio, which comes complete with the patio furniture and BBQ grill included. The primary owner's suite serves as a true private retreat, offering two expansive walk-in closets and a versatile alcove perfect for a computer desk or cozy reading nook. The attached en-suite bathroom is beautifully appointed with separate dual vanities divided by a custom makeup station, alongside a pristine tiled shower equipped with a glass door, safety grab bars, and a spacious 8x8 sitting bench. Complete with a durable tile roof and a two-car garage featuring a dedicated golf cart outlet, this property delivers the ultimate Florida retirement lifestyle. Located inside the premier, 55-plus guard-gated development of Solivita, this property offers an unparalleled lifestyle across 4,300 acres of scenic waterways and green spaces and wildlife. Residents enjoy a high-end club environment anchored by over 150,000 square feet of dedicated recreational facilities. Golf enthusiasts can take advantage of the Stonegate Golf Club, featuring two championship 18-hole courses and an aquatic driving range. The community features 14 heated swimming pools—including indoor and outdoor lap options and hot tubs—alongside the massive Riviera Spa and Fitness Center, complete with an air-conditioned indoor walking track. For outdoor sports, the expansive layout incorporates 17 pickleball courts, over a dozen tennis courts, bocce ball, shuffleboard, and a full softball field. At the vibrant village center, enjoy three on-site restaurants, a full-service spa, a pharmacy, and creative studios for arts, billiards, and ceramics with kilns. A 17,000-square-foot ballroom hosts regular live entertainment, coordinating with a calendar of over 150 active social clubs. Make this dream home become your reality, call me for a showing today!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,850
Sqft
0.2 ac
Lot size
2
Garage
2008
Year built
One
Levels
$257
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.
$3,806 /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
$3,806/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
+52.4%
$/sqft vs Kissimmee actives
$257 vs $209
Days on market
33 vs 55 typical
Where $257/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 Solivita
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
Solivita — neighborhood snapshot
Population
7,195
Median age
69
Median income
$65,133
Median home value
$323,540
Avg household
2
Households w/ children
196
For the school run
Polk 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)
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 116% above the KISSIMMEE 34759 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 394 MONTEREY STREET
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$355,000
457 PALOS VERDE PLACE · same community
3 bd · 2 ba · 1,827 sqft · $194/sqft · 7 DOM
Sold · Dec ’25$355,000
154 INDIAN WELLS AVENUE · same community
3 bd · 3 ba · 1,961 sqft · $181/sqft · 140 DOM
Sold · Apr ’26$317,500
487 MONTEREY STREET · same community
2 bd · 2 ba · 1,655 sqft · $192/sqft · 91 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 394 MONTEREY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 394 MONTEREY STREET — 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
394 MONTEREY STREET FAQs
What would the monthly payment be for 394 MONTEREY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,806/mo — principal and interest, the actual property-tax bill, the $276/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 394 MONTEREY STREET?+
The association fee works out to $276 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 394 MONTEREY STREET?+
The most recent tax bill on record (2025) was $4,368. 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 394 MONTEREY STREET?+
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 $475,000, this home is listed about 25% above the Kissimmee median of $379,395. The market section on this page shows how the area is trending.
Which schools are assigned to 394 MONTEREY STREET?+
Palmetto Elementary School (elementary), Lake Marion Creek Middle School (middle), Haines City Senior High School (high) — Polk 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
$475,000 runs 116% above the KISSIMMEE 34759 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $485,000, now $475,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Lisa Dobbs. MLS #S5153097.
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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