David Ramirez
Short-Term Rental Eligible
$315,0003 bd3 ba1,295 sqft$243 /sqft$3,111 /mo all-in ↓

8529 BAY LILLY LOOP, KISSIMMEE, FL, 34747

Active5 days on marketListed Jul 18, 2026MLS #S5154015

Priced 21% below the KISSIMMEE 34747 medianPrivate poolTownhouseENCANTADA PH 1

About this home

8529 BAY LILLY LOOP

Fully furnished and income-producing vacation home in the sought-after gated community of Encantada Resort, just a short drive from Walt Disney World® Resort. Already operating as a successful short-term rental, this property presents an excellent opportunity for investors seeking immediate cash flow with professional management already in place. The first floor offers a bright, open layout that connects the living and dining areas with a well-appointed kitchen featuring granite countertops. You’ll also find a convenient half bathroom and a dedicated laundry area. Step outside through the sliding glass doors to your private screened patio with a heated plunge pool—one of the most desirable features for vacation guests and a key driver of strong rental performance. Upstairs, the spacious primary suite includes its own private bathroom, while two additional bedrooms share a full bath, providing comfortable accommodations for families and groups visiting Central Florida. Encantada Resort allows unrestricted short-term rentals, making it ideal for vacation home investors. Residents and guests enjoy access to resort-style amenities, including two community pools, a clubhouse, fitness center, and gated entrance. The HOA maintains the exterior of the property and the community amenities, helping reduce maintenance responsibilities while enhancing the guest experience. With an established rental history, professional property management already in place, and a proven revenue stream, this is a true turnkey investment opportunity in one of the Orlando area’s most popular vacation rental communities.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

1,295

Sqft

0.06 ac

Lot size

2006

Year built

Two

Levels

$243

Per sqft

Private poolTurnkeyPets allowed

Inside

FlooringCarpet · Ceramic Tile · Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedTurnkey

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesSouthwest
ParkingOpen
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$594/mo
Taxes (2026)$4,354/yr
PetsYes
CommunityClubhouse · Fitness Center · Gated Community - Guard · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Phone Available · Public · Sewer Connected · Water 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.

$3,111 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,854
FHA mortgage insurance (est.)$139
Property tax — 2026 actual bill$363
HOA fee — from the listing$594
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,025Loan30-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% · $11,025
Interest rate6.00%
Loan term

Estimated payment

$3,111/mo

Principal & interest$1,854
FHA mortgage insurance (est.)$139
Property taxes (actual bill)$363
HOA / condo fee$594
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.

The investor lens

Two ways this home pays

This home sits inside Encantada, 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
CommunityEncantada
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

$2,150/mo median

MarketKissimmee
Annual gross at median$25,800
Gross yield on this price8.2%
Homes for rent right now1,140

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

Where it sits

Inside Encantada

Map of 8529 BAY LILLY LOOP inside its neighborhood boundary

Drive times from this address

Walt Disney World14 min
Universal Orlando27 min
Downtown Orlando33 min
Orlando Int’l Airport (MCO)38 min
Downtown Tampa70 min

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

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

Encantada — neighborhood snapshot

Population

2,005

Median age

31

Median income

$60,500

Median home value

$229,500

Avg household

2

Households w/ children

394

For the school run

Osceola County School District

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

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

The numbers that matter

The Kissimmee market

Seller’s marketLeans buyer8.9 months of inventoryBuyer’s market

$369K$358K

Kissimmee median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 21% below the KISSIMMEE 34747 median. See the full Kissimmee market guide →

Paper trail

This home's history

Jul 18, 2026Listed at $315,000 · 5 days on market since
2006Built · ENCANTADA PH 1

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 8529 BAY LILLY LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8529 BAY LILLY LOOP — 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.

Goes straight to David’s phone and CRM.

Straight answers

8529 BAY LILLY LOOP FAQs

What would the monthly payment be for 8529 BAY LILLY LOOP?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,111/mo — principal and interest, the actual property-tax bill, the $594/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 8529 BAY LILLY LOOP?+

The association fee works out to $594 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 8529 BAY LILLY LOOP?+

The most recent tax bill on record (2026) was $4,354. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 8529 BAY LILLY LOOP be rented short-term?+

Yes — this home sits inside Encantada, 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 8529 BAY LILLY LOOP?+

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 $315,000, this home is listed about 17% below the Kissimmee median of $379,850. The market section on this page shows how the area is trending.

Which schools are assigned to 8529 BAY LILLY LOOP?+

Westside K-8 School (elementary), Celebration High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Under the KISSIMMEE 34747 market on paper

$315,000 is 21% below the KISSIMMEE 34747 median of $399,900.

02Zoned for nightly rentals

Encantada 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.

03Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

04Know the monthly fee

The association fee is $594/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

05Fresh on the market

Only 5 days on market in a Kissimmee market that averages 45 — if it fits, move quickly.

Listing courtesy of FLORIDA REALTY INVESTMENTS · Thiago Fowler. MLS #S5154015.

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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