4 bedroom Single Family Residence at 3539 MAPLE RIDGE LOOP, FOREST EDGE, KISSIMMEE — photo 1Front elevation
4 bedroom Single Family Residence at 3539 MAPLE RIDGE LOOP, FOREST EDGE, KISSIMMEE — photo 2Living space
4 bedroom Single Family Residence at 3539 MAPLE RIDGE LOOP, FOREST EDGE, KISSIMMEE — photo 3Kitchen
4 bedroom Single Family Residence at 3539 MAPLE RIDGE LOOP, FOREST EDGE, KISSIMMEE — photo 4Owner's suite
4 bedroom Single Family Residence at 3539 MAPLE RIDGE LOOP, FOREST EDGE, KISSIMMEE — photo 5Exterior / yardView all 6 photos →
180 days on market Single Family Residence ▼ Price cut: $5,000 (9/5)
$444,000
4-Bedroom Home in FOREST EDGE

3539 MAPLE RIDGE LOOP, KISSIMMEE, FL 34741

Single Family Residence in FOREST EDGE, KISSIMMEE · No CDD
FOREST EDGE · KISSIMMEE, FL 34741 · Osceola
Listing data updated September 6, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
2,298Sq Ft
2003Year Built
$193Per Sq Ft
2-car garageNo CDD4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$193 here vs $193 median sold (12 mo)
Buyer leverage
Strong buyer advantage
180 days on market
8.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of September 6, 2026, 3539 Maple Ridge Loop in Forest Edge, Kissimmee is listed at $444,000 (2,298 sq ft, about $193 per sq ft). That sits within a few percent of Forest Edge's median closed sale of $444,000 over the last 12 months (2 recorded sales). It has been 180 days on market. Listing facts: built in 2003, HOA dues of $80/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2003 · 23 yrs
  • 2,298 sq ft of living area
  • 2-car garage
  • 180 days on market
  • HOA $80/mo (per listing)
Momentum Research · FOREST EDGE

Pricing & the FOREST EDGE market

How this home is priced against recent nearby sales, and where FOREST EDGE has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

Median $/sq ft by year

Community sold $/sq ft, 2016–2024. This home lists at $193/sq ft.

$91$157$2242016: $10420162017: $11520172022: $19420222024: $2112024

Median sale price by year

12-month median closed price, 2016–2024.

$225k$350k$474k2016: $249k20162017: $258k20172022: $445k20222024: $450k2024
Property timeline

This home’s history

  • 2003BuiltPer public record
  • Jul 10, 2026First trackedObserved at $449,000
  • Sep 5, 2026Price cut$444,000
  • 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

$2,951/mo
  • Principal & interest $2,294/mo 78%
  • Taxes $388/mo 13%
  • Insurance $188/mo 6%
  • HOA $80/mo 3%

$2,951/mo at 20% down, 30-yr @ 6.71% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$6,000/yr
$500/mo·effective rate ~1.35%
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 $5,575/yr ($465/mo)
+$425 more each year
(+8%)

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
$28,444
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.
$395,200
Market value
$366,756
Assessed
$366,756
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

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

46/100
Strongest on: Buyer competition (67), Price vs area (50)
0 limited50100 exceptional

46/100 is below average 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 area50
This home $193/sq ft vs the community 12-month median $193/sq ft.
Affordability50
List price $444,000 vs the community median $444,000. Not a measure of personal affordability.
Market liquidity35
Community inventory, ~8.0 months of supply (12-month record).
Renovation upside26
From a 2003 build and $193/sq ft vs the community median $193/sq ft. Not a condition assessment.
Buyer competition67
33% 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

🟢 Buyer-leaning conditions around this listing. 8.0 months of supply in the surrounding market and 180 days on market for this home, against a 92-day area median.Days on market:this home 180Area median:  92 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 2014 through 2026. As of August 2, 2026.

🟡 Asking $193 per square foot, about in line with the community’s $193 median. FOREST EDGE’s 12-month median sold price per square foot is $193. 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.

66% of homes in FOREST EDGE are owner-occupied. An estimated 34% are non-owner-occupied, including 2% held in a company or trust and 8% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 50 homes matched. Community-level context.

What’s unique here: one of only 2 active listings in FOREST EDGE, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Price Reduced! Welcome to this stunning move-in ready waterfront home! New Roof in January 2025!

Nestled in highly sought-after gated community of Weston Reserve, and in a prime location in Kissimmee. Used as a second home, this impeccable 4-bedroom, 2-bath home offers a spacious open floor plan. Step inside to a bright foyer, high ceilings, and generously sized separate formal living room and dining room.

The kitchen is both functional and welcoming, featuring 42” cabinetry with ample space, beautiful appliances, cozy breakfast nook, and openly leads to dining and family room – ideal for everyday living, hosting and entertaining. Sliding glass doors in both family room and primary suite open up to an oversized screened LANAI overlooking the beautiful pond and conservation area with serene atmosphere and no rear neighbors. The spacious primary suite boasts 2 walk-in closets, a peaceful retreat with private access to the patio and backyard—ideal for enjoying quiet mornings outdoors, and tranquil relaxation after a long day.

The ensuite bathroom includes a beautifully tiled walk-in shower, a dual vanity with ample storage, and a huge spa tub. All 4 bedrooms, family room and Lanai has ceiling fans installed. Extended patio and backyard are ideal for BBQs, big family gatherings, and for little ones or pets to play around.

Residents enjoy resort-style amenities, including a community pool, sand volleyball court, playground, BBQ area, and a private gated path access to Kissimmee Loop Trail, and the Shingle Creek Regional Trail. Located within close proximity to the Town Loop Shopping Center, this home provides unmatched convenience to restaurants, retails, gyms, supermarkets and everyday essentials. Conveniently located near major highways, Hospitals, schools, and churches.

Orlando International Airport (MCO), Theme Parks, and International Drive’s iconic attractions are all within easy reach. Easy access and prime location make this home ideal for families, professionals, or anyone looking to enjoy the best of Florida living. Don’t miss your chance to make this wonderful property your dream home—schedule your private showing today!

Description provided by CHARLES RUTENBERG REALTY ORLANDO 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$444,000
Bed / bath4 / 2
Living area2,298 sq ft
Year built2003
Property typeSingle Family Residence
Garage2-car
MLS #O6386171
Listing status180 days on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~79 ft
Windstorm exposureLow
CountyOsceola
Area listings2 active · 0 under contract
Estimated first-year tax~$4,662/yr
CDD assessmentNone on record
HOA (per listing)$80/mo

Calculated estimates

Price per sq ft$193
Estimated monthly payment$2,951
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$444,000

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 CHARLES RUTENBERG REALTY ORLANDO · Listing agent: Dolly Strahan · 407-622-2122Provided 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.

$390,660the mess$496,368

Actual list price: $444,000 — 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 $80/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:

  • 2 active listings competing, 1 under contract
  • 8.0 months of supply
  • 4 closed here in the last 12 months

For reference, this home is listed at $444,000 ($193/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: 2,298 sq ft × $170–$216/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.

Keep looking

Similar homes for sale near FOREST EDGE

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.

Transparency

Price & listing history

Listed for $444,000Momentum Realty · on market 180 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.)
~$4,662/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)
$2k–$4k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
$80/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
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
~79 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 3539 MAPLE RIDGE 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 CHARLES RUTENBERG REALTY ORLANDO · MLS # O6386171

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in FOREST EDGE

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 FOREST EDGE neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$444,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$193

Canonical 12-month median $/sq ft. Reference only.

Go deeper on FOREST EDGE

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.

Floral Ridge ElementaryAssigned elementary school · Osceola County School District
GRADEB
Kissimmee MiddleAssigned middle school · Osceola County School District · Grade B (Florida DOE 2025-26)
GRADEC
Osceola High SchoolAssigned high school · Osceola County School District · Grade C (Florida DOE 2025-26)
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.

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$2,035 – $2,960/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−$976 – −$143At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 3539 Maple Ridge Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2003 (23 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $80/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
  • 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 2,298 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 $4,662/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed twice daily (last: September 6, 2026)
Community market statsStellar MLS closed sales, as of August 2, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 3539 Maple Ridge Loop and when was it built?

Per the listing record, 3539 Maple Ridge Loop was built in 2003 and has 2,298 sq ft of living area, 4 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 3539 Maple Ridge Loop in?

3539 Maple Ridge Loop is in Forest Edge in Kissimmee, Osceola County. The community section on this page shows recent closed sales, days on market, and active inventory for Forest Edge from the same MLS data.

Does 3539 Maple Ridge Loop have an HOA, and how much are the dues?

The listing reports HOA dues of $80 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 3539 Maple Ridge Loop differ from the current owner's?

The estimate on this page (about $4,662 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 3539 Maple Ridge Loop in a flood zone?

A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 3539 MAPLE RIDGE 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.

Call (904) 351-6461

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.

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.

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.