$397,000
3639 SAIL HARBOR DRIVE, KISSIMMEE, FL 34746
Beds
4
Baths
3
Sq Ft
2,370 sq ft
Year Built
2012
Lot Size
0.23 acres
Garage
,
About This Property
Beautifully cared for this one-owner home in the gated community of Bella Point combines unmatched pride of ownership with extensive structural, mechanical, and energy-efficient upgrades throughout. Inside, enjoy upgraded window blinds, ceiling fans in all bedrooms and the family room, a refreshed kitchen complete with upgraded bar lighting, a premium sink faucet, a new InSinkErator disposal, and a 2025 microwave; plus bath plumbing updates. The home’s robust infrastructure boasts a complete roof replacement with an added wind-abatement adhesive layer, a high-efficiency 18 SEER Goodman/Franklin HVAC system featuring an antibacterial UV light and condensate pump, 2021 Solar Panels, a complete exterior repaint, a newly resealed driveway, and an oversized three car garage equipped with a new door and opener. Beyond incredible energy savings via solar panels that offset electricity down to the basic meter fee, peace of mind comes standard thanks to a whole-house surge suppressor with wiring warranties, a brand-new "no-salt" water conditioner, a complete termite protection bond, a new water heater with expansion tank, and a powerful 24 kWh Generac backup generator powered by a buried 500-gallon propane tank. Step outside to relax on the screened back lanai with conservation views. Assumable VA loan mortgage available at 5.6% for qualified buyers. Enjoy the security of a gated neighborhood and low HOA fees ($74/mo), which include lawn irrigation; and being zoned for TOP rated Bella Lago Academy (Pre-K–8th) and Liberty High School. Don't miss your opportunity and schedule a tour today!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From John Young Parkway, head west on Pleasant Hill Road. Turn right onto Spinning Reel Lane, then right onto Marina Isle Drive. Turn left onto Sail Harbor Drive. The property will be on the right.
Location
3639 SAIL HARBOR DRIVE, KISSIMMEE, FL 34746
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$397,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $397,000 home in KISSIMMEE.
🏛️
FHA Loan
$13,895 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
$19,850 Down
Traditional financing. As low as 3-5% down with good credit.
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: November 3, 2026.