4997 TOWN TERRACE S, KISSIMMEE, FL, 34758
Active11 days on marketListed Jul 28, 2026MLS #S5154550
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About this home
4997 TOWN TERRACE S
Beautifully maintained 3-bedroom, 3 full-bath townhome located in Trafalgar Village, one of Kissimmee's most desirable guard-gated communities. This move-in-ready home features an open-concept floor plan with a spacious kitchen overlooking the dining and living areas, creating the perfect space for entertaining or everyday living. A full bathroom and laundry closet are conveniently located on the first floor, while upstairs you'll a spacious primary suite featuring two closets and an ensuite primary bathroom with a double vanity, along with generously sized secondary bedrooms offering ample closet space. The HOA provides exceptional value by covering the roof, exterior maintenance, exterior siding, lawn care, landscaping, and trash service, allowing you to enjoy truly low-maintenance living. Trafalgar Village offers an impressive collection of resort-style amenities, including 24-hour guarded security, a large community pool with spa, an artificial beach, fitness center, 48-seat movie theater, game room with billiards and video games, basketball court, pickleball court, shuffleboard courts, dog park, playground, barbecue and picnic area, scenic walking and jogging trails, private community mailboxes, and beautifully maintained common areas. Conveniently located just minutes from major highways, shopping, dining, entertainment, and approximately 10 minutes from Walt Disney World and Central Florida's world-famous attractions, this home is an excellent opportunity as a primary residence, vacation, or investment property.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,504
Sqft
0.05 ac
Lot size
2005
Year built
Two
Levels
$160
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.
$2,393 /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
$2,393/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.
$/sqft vs Kissimmee actives
$160 vs $209
Days on market
11 vs 52 typical
Where $160/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.
The investor lens
Two ways this home pays
This home sits inside Trafalgar Village, 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
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,100/mo median
Live Kissimmee rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Trafalgar Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Trafalgar Village is a short-term-rental community. See the full guide →
Trafalgar Village — neighborhood snapshot
Population
1,996
Median age
30
Median income
$76,942
Median home value
$325,100
Avg household
4
Households w/ children
279
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)
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 9% below the KISSIMMEE 34758 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 4997 TOWN TERRACE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$284,000
2531 OLD KENT CIRCLE · same community
4 bd · 2.5 ba · 1,888 sqft · $150/sqft · 91 DOM
Sold · Mar ’26$389,900
4973 PALL MALL STREET W · same community
4 bd · 4 ba · 2,182 sqft · $179/sqft · 21 DOM
Sold · Jan ’26$415,000
2616 MARG LANE · same community
6 bd · 5 ba · 2,724 sqft · $152/sqft · 194 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 4997 TOWN TERRACE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4997 TOWN TERRACE S — 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
4997 TOWN TERRACE S FAQs
What would the monthly payment be for 4997 TOWN TERRACE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,393/mo — principal and interest, the actual property-tax bill, the $459/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 4997 TOWN TERRACE S?+
The association fee works out to $459 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4997 TOWN TERRACE S?+
The most recent tax bill on record (2025) was $3,062. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4997 TOWN TERRACE S be rented short-term?+
Yes — this home sits inside Trafalgar Village, 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 4997 TOWN TERRACE S?+
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 $239,900, this home is listed about 37% below the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4997 TOWN TERRACE S?+
Reedy Creek Elementary School (elementary), Poinciana High School (high), Horizon Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of VITAL REALTY GROUP INC · Nelson Santos. MLS #S5154550.
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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