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$619,000

431 WATER STREET, CELEBRATION, FL 34747

3D Tour
Active0 days on market

Beds

3

Baths

3

Sq Ft

1,890 sq ft

Year Built

1998

Lot Size

0.11 acres

Garage

2

About This Property

Exceptional opportunity to own a beautifully renovated home just a 5-minute walk to Downtown Celebration, offering one of the most desirable locations in the community. Completely remodeled in 2024, this residence combines contemporary luxury with timeless elegance. The impressive living room features over 20-foot ceilings and a stunning floor-to-ceiling porcelain accent wall with modern wood slat detailing, creating a dramatic focal point. The custom staircase showcases stainless steel railings with stainless steel cable balusters, enhancing the home's sleek architectural design. The gourmet kitchen is equipped with quartz countertops, a built-in cooktop, microwave, and wall oven with Air Fryer functionality, making it ideal for both everyday living and entertaining. Quartz countertops continue throughout all bathrooms, providing a cohesive luxury finish. Additional highlights include a charming temperature-controlled wine bar with wine cooler, a spacious covered rear porch perfect for outdoor entertaining, and a two-car attached garage. This is a rare opportunity to own a fully updated home in one of Celebration's most sought-after locations, just moments from restaurants, shops, lakes, walking trails, and community events.

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #O6434329
StatusActive
Year Built1998
Total Rooms11
ConstructionBlock
RoofShingle
FoundationSlab
FacesSouth
SubdivisionWATER STREET CONDO PH 1
CountyOsceola
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Dry Bar, Eating Space In Kitchen, High Ceilings, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Walk-In Closet(s)
FlooringVinyl
AppliancesConvection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Wine Refrigerator
LaundryCommon Area
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorBalcony
Lot Size0.11 acres (4,784 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerNone
UtilitiesCable Available, Public

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$999 / Monthly
Senior CommunityNo

Financial Details

List Price$619,000
Annual Taxes$6,287 (2025)
ZoningOPUD
Parcel #072528542000014310

Schools

ElementaryCelebration K-8
MiddleCelebration K-8
HighCelebration High

Directions

From 192 take Celebration Ave, turn right on Water St, the property will be at your right.

Location

431 WATER STREET, CELEBRATION, FL 34747

Listing Information

OfficeMS LAND & BUILDING LLC
ListedSeptember 13, 2026

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Home Price

$619,000

20% ($123,800)
6.75%

Loan Term

Principal & Interest$3,212
Property Tax (est.)$567
Insurance (est.)$150
Total Monthly$3,929
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $619,000 home in CELEBRATION.

🏛️

FHA Loan

$21,665 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$30,950 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 14, 2026.

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