Single Family Residence in HARBOR SHORES, KISSIMMEE · No CDD
HARBOR SHORES · KISSIMMEE, FL 34746 · Osceola
Listing data updated September 9, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2,006Sq Ft
2019Year Built
$187Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
4% below
$/sq ft vs community
$187 here vs $194 median sold (12 mo)
Buyer leverage
Balanced market
36 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~70 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 9, 2026, 2349 Jernigan Loop in Harbor Shores, Kissimmee is listed at $374,900 (2,006 sq ft, about $187 per sq ft). That sits within a few percent of Harbor Shores's median closed sale of $342,500 over the last 12 months (2 recorded sales). It has been 36 days on market. Listing facts: built in 2019, HOA dues of $105/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2019 · 7 yrs
2,006 sq ft of living area
2-car garage
Listed at $374,900 — recent neighborhood median sale price ~$342,500 (nearby sales; deemed reliable, not an appraisal)
36 days on market
HOA $105/mo (per listing)
Momentum Research · HARBOR SHORES
Pricing & the HARBOR SHORES market
How this home is priced against recent nearby sales, and where HARBOR SHORES has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2019BuiltPer public record
Aug 4, 2026First trackedObserved at $374,900
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.
Financing
Estimated monthly payment
$2,487/mo
Principal & interest $1,937/mo78%
Taxes $328/mo13%
Insurance $117/mo5%
HOA $105/mo4%
$2,487/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Osceola County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,325/yr ($277/mo)
+$1,625 more each year
(+49%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$121,539
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
63/100
Strongest on: Buyer competition (100), Flood safety (95)
0 limited50100 exceptional
63/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area59
This home $187/sq ft vs the community 12-month median $194/sq ft.
Affordability34
List price $374,900 vs the community median $342,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~70 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2019 build. Obtain a property-specific quote.
Market liquidity44
Community inventory, ~6.0 months of supply (12-month record).
Renovation upside30
From a 2019 build and $187/sq ft vs the community median $194/sq ft. Not a condition assessment.
Buyer competition100
0% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
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.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 6.0 months of supply in the surrounding market and 36 days on market for this home, against a 36-day area median.Days on market:this home 36Area median: 36 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2019 through 2026. As of August 2, 2026.
🟡 Asking $187 per square foot, about 4% below the community’s $194 median. HARBOR SHORES’s 12-month median sold price per square foot is $194. Confidence: Low · 2 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 1 active listings in HARBOR SHORES, no CDD assessment.
Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
This beautifully maintained single-family home built in 2019, offers 2,006 square feet of comfortable living space with 3 spacious bedrooms, 2 full bathrooms, and a versatile office/flex room perfect for working from home, a playroom, or additional living space. The home features a modern open-concept layout designed for both everyday living and entertaining. The stunning kitchen boasts large white cabinetry, ample counter space, and flows seamlessly into the dining and living areas.
The generously sized living room provides a welcoming space for family gatherings and relaxation. The spacious primary suite features carpet flooring and a private bath, while the two additional bedrooms offer durable tile flooring. Tile flooring extends throughout the kitchen and main living areas, creating a clean and stylish look.
A convenient washer and dryer hookup adds to the home's functionality. Step outside and enjoy the screened-in sunroom overlooking the expansive backyard—perfect for family gatherings, outdoor entertaining, gardening, or simply relaxing in your own private outdoor retreat. The house also has solar panels.
Located in the desirable Kissimmee area, this move-in-ready home combines modern features, spacious living areas, energy-efficient upgrades, and a fantastic outdoor space, making it an excellent opportunity for families and homeowners alike.
Description provided by PREFERRED REAL ESTATE BROKERS and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$374,900
Bed / bath3 / 2
Living area2,006 sq ft
Year built2019
Property typeSingle Family Residence
Garage2-car
MLS #O6416499
Listing status36 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~70 ft
Windstorm exposureLow
CountyOsceola
Area listings1 active · 0 under contract
Estimated first-year tax~$3,936/yr
CDD assessmentNone on record
HOA (per listing)$105/mo
Calculated estimates
Price per sq ft$187
Estimated monthly payment$2,487
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$342,500
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
Listing courtesy of PREFERRED REAL ESTATE BROKERS · Listing agent: David Cortez · 407-440-4900Provided 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
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.
$343,026the mess$435,302
Actual list price: $374,900 — 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 or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $105/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
≈6.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $374,900 ($187/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.
Methodology: 2,006 sq ft × $171–$217/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Keep looking
Similar homes for sale near HARBOR 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.
Listed for $374,900Momentum Realty · on market 36 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,936/yr
A rough first-year estimate only, applying a typical Osceola rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$105/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
~70 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 2349 JERNIGAN LOOP?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by PREFERRED REAL ESTATE BROKERS · MLS # O6416499
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Market data · public records
Recent sales activity in HARBOR 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 HARBOR SHORES neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Community median sale price
$342,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$194
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HARBOR 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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Orange County opens Enclave at Canopy Park with 104 affordable units
Orange County opened The Enclave at Canopy Park, a 104-unit affordable apartment community at 4440 Canopy Park Loop developed by Archway Partners. The county contributed 3 million dollars from its Affordable Housing Trust Fund. The community includes one and two bedroom homes plus a community center, fitness center, technology lab, and EV charging.
Why it matters: Adds 104 income-restricted apartment homes to the local rental supply along with new community amenities and green-certified construction. The site is less than a mile northwest of Harbor Shores.
Orlando approves the 380-acre Dowden Central Community Development District in Lake Nona
Orlando approved the Dowden Central Community Development District, a roughly 380-acre district in the Lake Nona area of southeast Orlando, in March 2026. The district provides the framework to build roads, drainage, utilities, and parks for future development phases.
Why it matters: A new community development district lays the groundwork for large-scale growth in the Lake Nona area, a step that typically precedes new housing and commercial activity nearby. The site is about 10 miles southeast of Harbor Shores.
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.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Feb 2026
$355,000
2339 JERNIGAN LOOP, KISSIMMEE
3 / 2 bd/ba · 2,006 sq ft · $177/sq ft
Courtesy of LPT REALTY, LLC · View details →
Sold Dec 2025
$330,000
2336 JERNIGAN LOOP, KISSIMMEE
3 / 2 bd/ba · 1,554 sq ft · $212/sq ft
Courtesy of WAYPOINT REAL ESTATE GROUP INC · View details →
Community 12-month median: $194/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and 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$1,718 – $2,499/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$820 – −$117At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2349 Jernigan Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2019: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $105/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Osceola County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,006 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,936/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
KISSIMMEE
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 9, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 2349 Jernigan Loop and when was it built?
Per the listing record, 2349 Jernigan Loop was built in 2019 and has 2,006 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2349 Jernigan Loop in?
2349 Jernigan Loop is in Harbor Shores in Kissimmee, Osceola County. The community section on this page shows recent closed sales, days on market, and active inventory for Harbor Shores from the same MLS data.
Does 2349 Jernigan Loop have an HOA, and how much are the dues?
The listing reports HOA dues of $105 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 2349 Jernigan Loop differ from the current owner's?
The estimate on this page (about $3,936 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 2349 Jernigan Loop in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 2349 JERNIGAN LOOP 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.
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.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
