$307,000

3504 Shorewood Drive

Kissimmee, FL 34746

Listing updated: May 30, 2026 at 8:25 PM ET

Pending

Beds

Baths

2,390

Sq Ft

0.24

Acres

2003

Built

◆Waterfront◆Water access◆3-car garage◆$128/sqft

Single Family Residence

Property type

2003

Year built

10,411 sqft

Lot size

$128

Price / sq ft

$159/mo

HOA dues

102

Days on market

Garage spaces

Flood zone

About this home

Under contract-accepting backup offers. Short Sale. 3-CAR GARAGE | PENDING SHORT SALE APPROVAL | PRICED BELOW APPRAISAL. Opportunity knocks in the guard-gated, resort-style community of Bellalago! This spacious split floor plan offers 3 bedrooms, 3 full baths (2 en-suite), a bonus room ideal for an office or den, and a rare 3-car garage, with no direct neighbors in front or behind and peaceful pond views from the screened patio. Interior features include cherry cabinets, granite countertops, and crown molding throughout, with a layout well-suited for guests or multi-generational living. The price reflects needed updates, including an aging roof with visible water damage primarily in the office and a few other areas, older flooring damage in the primary bedroom, and a patio that needs some TLC—making this a strong candidate for an FHA 203(k) loan and a great opportunity to build instant equity. Bellalago offers direct Lake Toho access with a private boat ramp, restaurant, water features, fitness centers, playgrounds, and 24-hour security for a true resort lifestyle. Ask your agent for additional interior photos showing work needed. Any financing would need to be a renovation type loan due to roof leaking - she cannot replace prior to closing.

Estimated monthly payment

Principal & interest$1,552

Property taxes$335

Home insurance (est.)$141

HOA dues$159

Down payment

20%

$61,400 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history102 days on market

Status: Pending
May 3, 2026
Listed$400,000
Jul 6, 2025
Price reduced$307,000

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Pending
Days on market: 102
Subdivision: Bellalago
County: Osceola
Year built: 2003
Living area: 2,390 sq ft
Price/sq ft: $128
Building area: 3,405 sq ft (Public Records)
Lot size: 10,411 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12097C0235G)
Garage: 3 spaces
Annual taxes: $4,024 (2024)
Parcel #: 29-26-29-2644-0001-2400
Zoning: OPUD
MLS #: O6319449

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Interior Details

Bedrooms: 3
Full bathrooms: 3
Flooring: Tile, Wood
Appliances: None
Interior features: Built-in Features, Ceiling Fans(s), Coffered Ceiling(s), Crown Molding, Primary Bedroom Main Floor, Split Bedroom, Stone Counters, Thermostat
Laundry: Inside, Laundry Room
Stories / Levels: One
Direction faces: North

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 3
Attached garage: Yes
Parking features: Driveway, Garage Door Opener

HOA & Financial

HOA fee: $159 / Monthly
Monthly HOA: $159/mo
Total monthly fees: $324/mo
Total annual fees: $3,891
HOA name: DEREK PINTO
CDD: No
Homestead exemption: Yes
Min lease term: 6 Months
Listing terms: Cash, Conventional, FHA, Other
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: Minimum 6 month lease, no more than two leases per year. Association needs to have a copy of the signed lease and any property management agreement. Short term rentals (Airbnb/VRBO) are not permitted.
Approval process: Rental Process: Complete the HOA rental application (available from the HOA office or property manager). Submit the signed lease agreement with the application. Pay any applicable processing fees. Await written approval from the HOA before occupancy.

Exterior & Construction

Exterior features: Lighting, Other, Sidewalk
Construction materials: Block, Stucco
Roof: Tile
Foundation: Slab
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Asphalt, Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Community

Pets allowed: Breed Restrictions, Cats OK, Dogs OK

Schools

ElementaryBellalago Charter Academy (K-8)GreatSchools ↗

MiddleBellalago Charter Academy (K-8)GreatSchools ↗

High SchoolBLiberty HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Living Room	First	16x19
Kitchen	First	13x11
Dining Room	First	10x14
Primary Bedroom	First	18x19
Bedroom 2	First	11x11
Bedroom 3	First	11x12
Dinette	First	9x13

Listing Details

Listing date: 2025-06-02
On market date: 2025-07-06
Original list price: $400,000
Occupant type: Vacant
Special conditions: Short Sale
MLS area: 34746 - Kissimmee (West of Town)
Listing AOR: Orlando Regional
Status changed: 2026-05-03
Tax legal description: BELLALAGO PB 14 PGS 159-168 LOT 240 29-26-29

Flood risk

Minimal riskFEMA Zone XPanel 12097C0235G

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Northeast on I-4 exit at Osceola Parkway (CR-522), just east of the Disney area. Head east on Osceola Parkway for about 6 miles. After crossing U.S.441/US 17/US 92 (Orange Blossom Trail), continue straight. Stay on Osceola Parkway until you reach Pleasant Hill Road. Make a left onto Pleasant Hill Road and drive north for approximately 3 miles. Turn right onto Shorewood Drive.

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Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of May 30, 2026 at 8:25 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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