Bermuda Bay
Homes for Sale in Kissimmee, FL
All 3,104 homes for sale in Kissimmee, FL · median $375,000 · 258 homes for sale in 34741 · Osceola County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, Bermuda Bay in Kissimmee, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $299,000, $258 per square foot, a median 95 days on market, sellers accepting 94% of original asking (-8% versus the prior year). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $4,550 ($3,950 with the full homestead exemption).
Bermuda Bay right now
🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Low (2 active and pending listings, 3 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($299K) is down 7.7% from the prior 12 months ($324K). With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (3 and 8 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 24, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Bermuda Bay market snapshot (as of September 20, 2026): the median sale price is about $299K ($258 per sq ft over the trailing 12 months of closed sales), a median 95 days on market for closed sales, and 6.0 months of supply, a balanced market. The trailing-12-month median is down 8% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).
In ZIP 34741 (Kissimmee), 754 homes closed in the last 12 months at a median of $411K ($205/sq ft), down 0.8% year over year, with a median 44 days on market. Right now 207 active and 46 pending listings put supply at about 6.1 months - a balanced market. See the live ZIP 34741 housing market and the Osceola County market.
County records show 10 qualified sales in Bermuda Bay across 2024 - 2025 (9 in 2024, 1 in 2025), median $328,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Bermuda Bay is a community of 150 homes in Kissimmee, Osceola County, built between 1987 and 1990 (median 1989.0), with a median living area of about 1,886 square feet. 70% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($299K) IS the median in the snapshot above, and the move from 2025 ($324K) IS the -7.7% one-year change.
Windows contain 0 to 8 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
12% of homes for sale in ZIP 34741 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-23).
Bermuda Bay Market Scorecard
Bermuda Bay is currently a balanced market. About 6.0 months of supply, a median asking price of $342,495, and homes go under contract in about 32 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Bermuda Bay
Live MLS inventory for Bermuda Bay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Bermuda Bay listings as of 2026-10-23, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. Tap any home to ask about it.
Bermuda Bay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Bermuda Bay
- Pool · reported on 4 of 5 listings
- Playground · reported on 1 of 5 listings
- Trail(s) · reported on 1 of 5 listings
- Vehicle Restrictions · reported on 1 of 5 listings
- Deed Restrictions · reported on 1 of 5 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Highlands Elem · Elementary
- Denn John Middle · Middle
- Osceola High School · High
Zoned schools reflect the assignments reported on recent Bermuda Bay listings and can change; always confirm with Osceola County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Bermuda Bay address.
Recent Developments in Bermuda Bay
Development, infrastructure, retail, and school activity affecting Bermuda Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Orange County commissioners approve Tuscana land use plan in Shingle Creek Basin on 4-3 vote
Commissioners voted 4-3 to approve the Tuscana land use application from Shingle Creek Co-Owners LLC and Geyer Development, reversing a unanimous rejection in May 2025. The plan includes more than 1,000 hotel rooms, about 4,000 apartments and commercial buildings, with conditions for a raised road, flood mitigation and wetland protection. The developer projects thousands of jobs at full build-out.
What it may mean for the marketThe approval could add substantial rental housing, hotel capacity and commercial space in the Shingle Creek area, while flood-mitigation conditions will shape how and when it is built. The site is about 5 miles northwest of Bermuda Bay.
Source: Spectrum News 13 - September 2026Infrastructure
CFX holds public meetings on 14-mile toll road through part of Split Oak Forest
The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.
What it may mean for the marketIf built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The project is about 14 miles east of Bermuda Bay, elsewhere in Osceola County.
Source: Spectrum News 13 - August 2026Retail & Dining
Plans for Mattel indoor water park near Lake Buena Vista Factory Stores expand to 13 acres
Updated plans for the site off State Road 535 show a 95,000-square-foot indoor water park designed by Martin Aquatic, a separate 45,000-square-foot entertainment building and nearly 900 parking spaces. The tower height rises to as much as 100 feet and still needs Orange County approval. About 200 jobs are expected, and no opening date has been announced.
What it may mean for the marketThe project would add visitor attractions, dining and roughly 200 jobs near the State Road 535 corridor, with added traffic and parking demand nearby. The site is about 8 miles northwest of Bermuda Bay.
Source: FOX 35 Orlando - August 2026Civic
St. Cloud council approves $6.7 million downtown apartment and parking garage agreement
The City Council unanimously approved an agreement with Atlantic Housing Partners for apartments and a parking garage next to City Hall. The Community Redevelopment Agency contributes $6.25 million and the city $460,000. The garage would hold 450 to 500 spaces, with 250 reserved for apartment residents.
What it may mean for the marketNew downtown rental housing and public parking would add residents and parking capacity to the St. Cloud core. The project is about 10 miles southeast of Bermuda Bay, elsewhere in Osceola County.
Source: Spectrum News 13 - March 2026Development
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.
What it may mean for the marketA 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 9 miles northeast of Bermuda Bay.
Source: ClickOrlando
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in the Orlando Metro.
The Bermuda Bay buying strategy.
If we were buying in Bermuda Bay today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bermuda Bay.
A closer look at the Bermuda Bay market
At a median of $258 per square foot, Bermuda Bay prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 6.0 months of supply, a balanced market and the trailing-12-month median down 8% year over year. Homes that do trade take a median 95 days on market, useful leverage on any listing that has lingered.
The housing stock is 150 homes built between 1987 and 1990, and 70% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Bermuda Bay. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Bermuda Bay buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (5.2). Basis: Recent Direction -7.7% year-over-year; Liquidity & Demand 6.0 months of supply; Owner Commitment 70% owner-occupied; Pricing Power 93.7% sale-to-list. Refreshed with each data update.
Tools for a Bermuda Bay buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bermuda Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bermuda Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bermuda Bay home worth?
Get a no-obligation home value based on real comparable sales in Bermuda Bay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Kissimmee →
Recently off market in Bermuda Bay
Homes in Bermuda Bay that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 1009 Whalebone Bay Drive · off market
- 2616 Whalebone Bay Drive · off market
- 2649 Whalebone Bay Drive · off market
| Location | Kissimmee, Osceola County, FL · ZIP 34741 |
|---|---|
| Homes in the community | 150 (FL DOR 2025 assessment roll) |
| Years built | 1987–1990 (median 1989.0) |
| Typical living area | 1,886 sq ft (median) |
| Sale prices, last 12 months | $299,000 median across 3 closed sales · $258 per sq ft · -7.7% vs the prior 12 months |
| Days on market (closed sales) | 95 median |
| For sale right now | 2 active, 0 pending · median asking $342,495 · 6.0 months of supply |
| Owner-occupied (homestead) share | 70% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Bermuda Bay key facts,” movewithmomentum.com/neighborhoods/bermuda-bay-kissimmee, data as of September 20, 2026.
Every Home for Sale in Bermuda Bay Kissimmee Right Now (3)
All 3 active and pending Bermuda Bay Kissimmee listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2616 Whalebone Bay Drive · $349,900 · 3 bd / 2 ba · listed Oct 16, 2026 · listed by Exp Realty Llc
- 2649 Whalebone Bay Drive · $369,990 · 4 bd / 3 ba · listed Sep 20, 2026 · listed by Shaw Signature Re
- 1009 Whalebone Bay Drive · $315,000 · 2 bd / 2 ba · pending · listed Sep 7, 2026 · listed by Keller Williams Advantage Iii
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Kissimmee guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (Osceola County)
- Homestead exemption (Osceola County)
- Home insurance cost
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Kissimmee? Join Momentum in Kissimmee: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Horseshoe Bay Drive (41 homes on record)
- Whalebone Bay Drive (39 homes on record)
What it really costs to own in Bermuda Bay
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $75/month across 5 MLS listings (most billed monthly; 2026-10-24). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
Email me new listings in Bermuda Bay
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Bermuda Bay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Bermuda Bay will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Bermuda Bay?
How long do homes in Bermuda Bay take to sell?
Is Bermuda Bay a buyer's or seller's market right now?
How many homes are in Bermuda Bay?
What share of Bermuda Bay is owner-occupied?
When were the homes in Bermuda Bay built?
Who is the best real estate agent for Bermuda Bay?
How do I find a top Kissimmee real estate agent who knows Bermuda Bay?
Can Momentum Realty connect me with an agent for Bermuda Bay?
Where is Bermuda Bay, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 23, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 34741)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2006 (60 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Bermuda Bay fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Bermuda Bay
- Home values · What homes in Bermuda Bay actually sell for
Nearby Communities
Explore more neighborhoods near Bermuda Bay with Momentum Realty’s local guides.