
4089 NAVIGATOR WAY, KISSIMMEE, FL, 34746
Active3 days on marketListed Aug 5, 2026MLS #O6430859
About this home
4089 NAVIGATOR WAY
Welcome to this beautifully maintained two-story home at 4089 Navigator Way in the gated, resort-style Isles of Bellalago community in Kissimmee. A charming stucco exterior with a tile roof, mature palm trees, lush tropical landscaping, and a paver driveway leading to a two-car garage set the tone from the curb. Inside, a soaring two-story great room with tile flooring and a staircase overlooking the main living area, which opens to a large kitchen featuring espresso cabinetry, granite countertops, a tiled backsplash, a center island, stainless steel appliances, a built-in wine rack above the refrigerator, and a breakfast bar that flows into a casual dining nook, all bathed in natural light from sliding glass doors leading to the backyard. The spacious primary suite offers rich wood-look flooring, a ceiling fan, generous windows dressed with drapery, and a private en-suite bath with dual sink vanity, a garden soaking tub, and a separate glass-enclosed shower, while additional bedrooms provide comfortable, flexible living space. A dedicated interior laundry room comes equipped with a full-size washer and dryer and ample cabinet storage, adding everyday convenience. Step outside to a generously sized, fully fenced backyard bordered by a privacy wall and mature trees, offering plenty of room for a fire pit gathering area, outdoor entertaining, and relaxing under the Florida sky. This home grants access to the celebrated Bellalago lifestyle, which includes multiple resort-style community pools, a clubhouse, two fitness centers, yoga and Zumba classes, a waterfront restaurant, walking and nature trails, boat ramp access to the Alligator Lake chain for boating and fishing enthusiasts, and 24-hour manned security, all within the 34746 area of Kissimmee just minutes from US-192, Osceola Parkway, and the Florida Turnpike.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,123
Sqft
0.2 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$177
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.
$3,308 /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
$3,308/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.
vs edgeAI estimate
+10.5%
$/sqft vs Kissimmee actives
$177 vs $209
Days on market
3 vs 52 typical
Where $177/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.
Where it sits
Inside Kissimmee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Kissimmee. See the full Kissimmee guide →
KISSIMMEE 34746 — neighborhood snapshot
Population
57,181
Median age
37.6
Median income
$67,677
Median home value
$328,500
Avg household
3.13
Households w/ children
5,929
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 8% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 4089 NAVIGATOR WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$360,000
3953 PORT SEA PLACE · same community
3 bd · 2 ba · 2,011 sqft · $179/sqft · 14 DOM
Sold · Aug ’25$395,000
4117 NAVIGATOR WAY · same community
4 bd · 3 ba · 2,246 sqft · $176/sqft · 25 DOM
Sold · Dec ’25$339,900
4034 BOUGAINVILLEA PLACE · same community
4 bd · 2 ba · 1,980 sqft · $172/sqft · 170 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
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4089 NAVIGATOR WAY — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4089 NAVIGATOR WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
4089 NAVIGATOR WAY FAQs
What would the monthly payment be for 4089 NAVIGATOR WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,308/mo — principal and interest, the actual property-tax bill, the $325/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 4089 NAVIGATOR WAY?+
The association fee works out to $325 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4089 NAVIGATOR WAY?+
The most recent tax bill on record (2025) was $5,391. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4089 NAVIGATOR WAY?+
The listing reports pets: Yes. 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 $375,000, this home is listed about 1% below the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4089 NAVIGATOR WAY?+
Kissimmee Middle School (middle), Flora Ridge Elementary School (elementary), Celebration High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Franklin Mateo. MLS #O6430859.
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.
Never miss a listing
New Kissimmee homes, in your inbox
Like 4089 NAVIGATOR WAY but not quite? A daily digest of every new listing in Kissimmee — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Derek to ping you on any price or status change →


