David Ramirez
Short-Term Rental Eligible
$525,0003 bd2 ba2,202 sqft$238 /sqft$4,757 /mo all-in ↓

1915 ESTUARY LANE, KISSIMMEE, FL, 34747

Active14 days on marketListed Jul 23, 2026MLS #S5153778

Single Family ResidenceFOUR SEASONS AT ORLANDO

About this home

1915 ESTUARY LANE

Virtually Staged. Golf-course frontage, no rear neighbors, and a screened lanai with automatic shades define this 3-bedroom, 2-bath K. Hovnanian St. Thomas model in the 55+ Four Seasons at Orlando community on Mystic Dunes. Built in 2019, this single-story home offers 2,202 sq ft with the extended-home option, adding square footage to the family room, dining area, owner’s suite, and covered/screened outdoor living space. Positioned along the 16th hole, the rear of the home includes an oversized screened patio accessed through a 16-foot pocket sliding glass door, creating an indoor-outdoor setting with golf-course, sunrise and rocket launch views. The open plan centers on a kitchen with quartz countertops, 42-inch cabinets with hardware, tile backsplash, under-mount sink, corner pantry, pendant lighting, breakfast bar, gas cooktop, and stainless appliances. The kitchen opens directly to the dining area and extended family room. A central “family hub” provides a dedicated flex space for an office, hobby area, reading room, or additional workspace. Ceramic tile extends through the main living and wet areas, while multiple windows and the rear slider bring natural light into the central living spaces. The split-bedroom layout places two guest bedrooms and a full guest bath near the foyer; the guest bath includes a quartz-top vanity. The owner’s suite overlooks the golf course and includes a walk-in closet plus an en-suite bath with a dual-sink, adult-height quartz vanity, glass-enclosed walk-in shower, and separate water closet. Additional features include ceiling fans, a tankless water heater, interior laundry with gas dryer connection and electric dryer capability, two-car garage, and transferable termite bond. Lawn care and irrigation is included through the HOA. Four Seasons at Orlando is a gated, age-restricted community with clubhouse, fitness center, pool, tennis, pickleball, bocce, activities, and on Mystic Dunes golf course. Located near US-192 shopping, dining, grocery options, and Disney-area destinations, this vacant home is available for showings without a construction wait.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,202

Sqft

0.2 ac

Lot size

2

Garage

2019

Year built

One

Levels

$238

Per sqft

Golf Course & Trees/Woods view55+ communityPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesMicrowave · Built-In Oven · Refrigerator · Tankless Water Heater · Washer · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan
InteriorEating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments · Ceiling Fan(s)
LaundryLaundry Room · Electric Dryer Hookup · Gas Dryer Hookup · Inside · Washer Hookup
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewGolf Course · Trees/Woods
FacesWest
ParkingDriveway · Garage Door Opener · Golf Cart Garage · Golf Cart Parking · Tandem
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$407/mo
Taxes (2025)$10,410/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Community Mailbox · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Natural Gas Connected · Public · Sewer Available · Sewer Connected · Cable Available · Street Lights · Water Available · Water Connected · Electricity Available · Electricity Connected
WaterPublic

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.

$4,757 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property tax — 2025 actual bill$868
HOA fee — from the listing$407
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,375
Interest rate6.00%
Loan term

Estimated payment

$4,757/mo

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property taxes (actual bill)$868
HOA / condo fee$407
Est. insurance$160

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.

List $525K
$497KedgeAI estimate $521,419 · range $518K$525K$546K

vs edgeAI estimate

+0.7%

$/sqft vs Kissimmee actives

$238 vs $209

Days on market

14 vs 53 typical

Where $238/sqft sits among the 400 Kissimmee actives

90
122
97 · this home
47
17
27
$154–183$183–213$213–242$242–272$272–301$301+

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 Seasons, 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

Nightly rentalsAllowed
CommunitySeasons
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,100/mo median

MarketKissimmee
Annual gross at median$25,200
Gross yield on this price4.8%
Homes for rent right now982

Live Kissimmee rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Four Seasons At Orlando

Map of 1915 ESTUARY LANE inside its neighborhood boundary

Drive times from this address

Walt Disney World16 min
Universal Orlando27 min
Downtown Orlando33 min
Orlando Int’l Airport (MCO)37 min
Downtown Tampa67 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Seasons is a short-term-rental community. See the full guide →

Four Seasons At Orlando — neighborhood snapshot

Population

216

Median age

51

Median income

$80,574

Median home value

$345,500

Avg household

2

Households w/ children

10%

For the school run

Osceola County School District

HighCelebration High School★★★★★
ElementaryWestside K-8 School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Kissimmee market

Seller’s marketLeans buyer7.2 months of inventoryBuyer’s 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 32% above the KISSIMMEE 34747 median. See the full Kissimmee market guide →

Paper trail

This home's history

Jul 23, 2026Listed at $525,000 · 14 days on market since
2019Built · FOUR SEASONS AT ORLANDO

Reality check

What actually sold near 1915 ESTUARY LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

7778 FOUR SEASONS BOULEVARDSold · Oct ’25

$675,000

7778 FOUR SEASONS BOULEVARD · same community

3 bd · 2 ba · 1,970 sqft · $343/sqft · 90 DOM

2167 LIMESTONE TRAILSold · Mar ’26

$579,000

2167 LIMESTONE TRAIL · same community

3 bd · 3 ba · 2,754 sqft · $210/sqft · 13 DOM

2112 ANTILLES CLUB DRIVE UNIT 8Sold · Oct ’25

$430,000

2112 ANTILLES CLUB DRIVE UNIT 8 · same community

2 bd · 2 ba · 1,599 sqft · $269/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1915 ESTUARY LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1915 ESTUARY LANE — 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.

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Goes straight to David’s phone and CRM.

Straight answers

1915 ESTUARY LANE FAQs

What would the monthly payment be for 1915 ESTUARY LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,757/mo — principal and interest, the actual property-tax bill, the $407/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 1915 ESTUARY LANE?+

The association fee works out to $407 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1915 ESTUARY LANE?+

The most recent tax bill on record (2025) was $10,410. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 1915 ESTUARY LANE be rented short-term?+

Yes — this home sits inside Seasons, 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 1915 ESTUARY LANE?+

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 $525,000, this home is listed about 39% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1915 ESTUARY LANE?+

Celebration High School (high), Westside K-8 School (elementary) — 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

$525,000 runs 32% above the KISSIMMEE 34747 median — but at 2,202 sqft it's also 21% larger than the typical Kissimmee listing.

02Zoned for nightly rentals

Seasons 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.

03Golf Course & Trees/Woods views

The golf course and trees/woods view is part of what you're buying — views hold value independently of the structure.

Listing courtesy of WATSON REALTY CORP · Eve Metlis. MLS #S5153778.

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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