$395,000
4039 Navigator Way
Kissimmee, FL 34746
Listing updated: March 23, 2026 at 6:47 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
SHORT SALE: PRICE IMPROVEMENT – NOW $395,000! Experience the ultimate Florida lifestyle in the award-winning, guard-gated BellaLago community. This 4-bedroom, 2.5-bathroom home sits on an oversized conservation lot, offering total privacy and serene nature views. INVEST IN EQUITY: This home is being offered as a Short Sale at an incredible value. While it needs a little TLC to reach its full potential, the most expensive updates are already done for you, including BRAND NEW CARPET installed throughout the ENTIRE HOUSE (less than 6 months old)! THE HOME: Featuring soaring ceilings and an open-concept living area, the home is filled with natural light. The chef’s kitchen boasts quartz countertops, a large island, and stainless steel appliances. The first-floor Owner’s Retreat provides a private sanctuary with a spa-inspired ensuite. THE COMMUNITY: Enjoy resort-style living with an on-site restaurant, two pools, fitness centers, tennis courts, and a private boat ramp to Lake Tohopekaliga. THE OPPORTUNITY: Perfect for a buyer with a vision who wants to secure a move-in ready home significantly below market value. Please note: This is a short sale subject to third-party lender approval. Sold strictly AS-IS. Schedule your showing today and grab this equity before it's gone!
Estimated monthly payment
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 history182 days on market
- Status: ActiveSep 22, 2025
- Listed$455,000Sep 22, 2025
- Price reduced$395,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 182
- Subdivision
- Bella Isle / Isles Of Bellalago
- County
- Osceola
- Year built
- 2006
- Living area
- 2,123 sq ft
- Price/sq ft
- $186
- Building area
- 2,789 sq ft (Public Records)
- Lot size
- 11,389 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- AE, X (12097C0240G)
- Garage
- 2 spaces
- Annual taxes
- $5,015 (2024)
- Parcel #
- 25-26-28-2667-0001-0480
- Zoning
- RESIDENTIAL
- MLS #
- P4936335
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Microwave, Range, Range Hood, Refrigerator
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Primary Bedroom Main Floor
- Laundry
- Laundry Room
- Stories / Levels
- Two
- Direction faces
- South
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $325 / Monthly
- Monthly HOA
- $325/mo
- Total monthly fees
- $325/mo
- Total annual fees
- $3,900
- HOA name
- Desera Ramos
- CDD
- No
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Please verify with HOA
- Approval process
- No pre approval required
Exterior & Construction
- Exterior features
- Sidewalk
- Construction materials
- Stucco
- Roof
- Tile
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK, Yes
Schools
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 |
|---|---|---|
| Kitchen | First | 12x12 |
| Living Room | First | 16x18 |
| Primary Bedroom | First | 19x12 |
| Primary Bathroom | First | 12x12 |
Listing Details
- Listing date
- 2025-09-14
- On market date
- 2025-09-22
- Original list price
- $455,000
- Occupant type
- Vacant
- MLS area
- 34746 - Kissimmee (West of Town)
- Listing AOR
- Orlando Regional
- Status changed
- 2025-09-22
- Tax legal description
- ISLES OF BELLALAGO PB 17 PGS 191-195 LOT 48 31-26-29
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From I-4, take US-192 East to John Young Parkway. Turn left on John Young, then right on Pleasant Hill Road. Enter BellaLago through the Pleasant Hill guard gate (required for all visitors and agents). After the guard gate, turn right on Isle of BellaLago, then follow to Navigator Way.Important: The South Poinciana Road entrance does not have a guard gate and is for residents only with personal access. Visitors and agents have no entry at this gate.
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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 March 23, 2026 at 6:47 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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