646 days on market Single Family Residence
$649,900

1380 E LAKE SHORE BOULEVARD, KISSIMMEE, FL 34744

Single Family Residence in EAST LAKE SHORES, KISSIMMEE · No CDD · FEMA Zone X
EAST LAKE SHORES · KISSIMMEE, FL 34744 · Osceola
Listing data updated July 8, 2026 · refreshed twice daily
4Bedrooms
4Bathrooms
3,637Sq Ft
2006Year Built
$179Per Sq Ft
3-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
  • No CDD assessment on record
  • FEMA Zone X — flood insurance generally not federally required
  • Built 2006 · 20 yrs
  • 3,637 sq ft of living area
  • 3-car garage
  • $179/sq ft — compared with the displayed median of $179 from recent nearby sales
  • 646 days on market
  • HOA ~$50/mo (estimate; confirm)

This listing is shown at $649,900, with 4 bedrooms and 4 bathrooms, and 3,637 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.

Momentum Snapshot

The whole picture, at a glance

Property

Bedrooms4
Bathrooms4
Living area3,637 sq ft
Year built2006
Property typeSingle Family Residence

Financial

Est. monthly payment$4,270
Est. taxes / yr~$6,824
Est. insurance / yr~$3,139
HOA$50/mo
CDDNone on record
Price / sq ft$179

Risk

Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$3,139/yr

Market

Days on market646
Neighborhood median DOM646
Active listings (area)1
Comparable-sales median$649,900

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Visual snapshot

The numbers, at a glance

Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$3,139/yr
Estimated homeowners premium; get a real quote.

Estimated monthly payment

$4,270/mo
  • Principal & interest $3,389/mo 79%
  • Taxes $569/mo 13%
  • Insurance $262/mo 6%
  • HOA $50/mo 1%

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Momentum Scores

Momentum Property Score

52/100
Strongest on: Flood safety (95), Insurance cost (73)

A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.

How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.

Price vs area50
This home $179/sq ft vs area median $179/sq ft from recent nearby sales.
Affordability50
List price $649,900 vs area median $649,900. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.
Market liquidity20
Area median 646 days on market.
Renovation upside22
From a 2006 build and $179/sq ft vs area $179/sq ft. Not a condition assessment.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Listing facts & disclosures
$649,900
List price
As listed in the MLS
4 / 4
Bed / bath
Per the listing
3,637
Living area
Sq ft (approx.)
$179
Price / sq ft
List ÷ living area

The home

Year built2006
Per public record.
Property typeSingle Family Residence
Per the listing.

Costs

HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$6,824/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.

Site & risk

FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormLow
Coastal exposure varies; obtain an insurer quote.

Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.

Listing courtesy of HAPPY HOME REAL ESTATE LLC · Listing agent: Andy Chen · 407-301-4322Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™

The Messtimate: $574,646 – $727,400

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$574,646the mess$727,400

Actual list price: $649,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
  • The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
  • Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
  • Views & orientation — golf, water, or preserve views aren't in the square footage.
  • Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
  • Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
  • Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
  • Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
  • School zoning & micro-location — one street over can mean a different school, and a different price.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 646 days on market vs. a ~646-day neighborhood median
  • 1 active listing competing in EAST LAKE SHORES
  • 0% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)

For reference, this home is listed at $649,900 ($179/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 3,637 sq ft × $158–$200/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 8, 2026.

Property timeline

This home’s history

  • 2006BuiltPer public record
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$2,979 – $4,333/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,377 – −$158At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check

Every number, sourced

We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$649,900
Bed / bath4 / 4
Living area3,637 sq ft
Year built2006
Property typeSingle Family Residence
MLS #S5112666
Listing status646 days on market
Days on market646

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
CountyOsceola
Estimated first-year tax~$6,824/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$179
Estimated monthly payment$4,270
Estimated insurance~$3,139/yr
Messtimate rangeNot available on this page
Comparable-sales median$649,900

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
No surprises at closing

Estimate a monthly payment

A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.

Estimated monthly payment
$4,270
Principal & interest$3,389
Property tax$569
Insurance$262
CDD assessment$0
HOA$50
PMI$0

Down payment $129,980 · Loan $519,920. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.

Estimated ownership costs

Estimated costs & disclosures

Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.

Property tax reset
~$6,824/yr

The seller likely pays less due to the homestead cap. At a $649,900 purchase, expect your first full-year Osceola bill near $6,824 before exemptions.

CDD assessment
None

No CDD assessment on record for this community.

Insurance
~$3,139/yr

Estimate for a 2006 build in Osceola. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Market data · public records

Recent sales activity in EAST LAKE SHORES

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the EAST LAKE SHORES neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Median sale price (set)
$649,900

Median closed price of the comparable set. Reference only.

Median $/sq ft (set)
$179

Median $/sq ft of the comparable set. Reference only.

This home $/sq ft
$179

List price divided by living area. Provided as data, not a value judgment.

Go deeper on EAST LAKE SHORES

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Osceola County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

Keep looking

Similar homes for sale near EAST LAKE SHORES

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Listing description

About this home

***PRICE IMPROVEMENT & UPDATED PHOTOS!*** Stunning custom built and designed single family home with views of East Lake Toho. This majestic 4 bedroom, 4.0 full bathroom residence is set on a spacious .615-acre lot, making it a true paradise for those who seek space and luxury with NO HOA.  The main floor features the primary/master bedroom and two guest bedrooms. The primary/master suite features a wood burning fireplace, ensuite bathroom with separate vanities, a garden tub, walk-in shower with floor to ceiling tile along with dual controlled showerheads, and a separate water closet. Additionally, the master suite boasts a spacious walk-in closet with custom built-in closet organizers and shelves. Both guest bedrooms on the main level have walk in closets, and full ensuite bathrooms. The chef's kitchen is a culinary dream, complete with solid surface Corian countertops, double islands, custom 42 inch maple cabinets with a large hidden walk-in pantry with pass-through shelving, stainless GE profile appliances including an electric cooktop, refrigerator, dishwasher, wall microwave, wall oven, and appliance garage. The main island’s 20-foot bar top comfortably accommodates seating for up to 9. The kitchen is completely open to the breakfast nook and family room which features surround sound speakers and the second wood burning fireplace in the home.  A unique spiral staircase leads to the upper floor's massive 4th bedroom//loft with its own full bathroom with walk-in shower, surround sound speakers and a full balcony with views of the lake. The home is packed with impressive features and upgrades, including crown molding, rounded corners, architectural arches between room transitions, 8ft tall doors and 10 ft high ceilings, porcelain wood look tile floors in common areas including primary bedroom. The attic features a radiant barrier for increased thermal efficiency and comfort. Some recent updates include AC system: main floor (2026), upper level (2023), 50-gallon hot water heater (2024), guest bedroom carpeting (2024), architectural shingle roof (2018). Outside, you'll find a 11x22 shed , a large fenced-in backyard with mature landscaping, a multi-zoned irrigation system, and an expansive driveway and extra gravel parking to the side of the home. The oversized garage measures 22'x34' and features 10'3" high ceilings, two dedicated 30 amp outlets to power welders, large compressors, RV's, or any equipment requiring 30 amp draw . An air compressor line is also plumbed to hook up to an air compressor around the interior perimeter of the garage. Across the street is a new 10 ft paved walking & biking trail stretching 6.9 miles from Fortune Rd to the St. Cloud lakefront. Minutes away, the Lakefront Park features a marina, fishing pier, boat ramp, playground, pavilions, sand beach, volleyball courts, and much more. Home is convenient to shopping, dining, the attractions, East Coast beaches, the UCF medical city, VA and Nemours hospitals and minutes away from Orlando International Airport, 192 and Turnpike. This home is clean and waiting for you to make it your own. Schedule your appointment to view it today and experience the true beauty of this exceptional property.

Description provided by HAPPY HOME REAL ESTATE LLC and reproduced from the MLS; not independently verified.

The full spec sheet

Property details & features

Interior

  • Bedrooms4
  • Bathrooms4
  • Living area3,637 sq ft

Exterior & lot

  • TypeSingle Family Residence

Systems

  • Year built2006
  • Age20 yrs

Listing

  • MLS #S5112666
  • StatusActive
  • Days on market646
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Transparency

Price & listing history

Listed for $649,900Momentum Realty · on market 646 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 1380 E LAKE SHORE BOULEVARD in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.