Oak Island Harbor at Formosa Gardens
Homes for Sale in Kissimmee, FL
All 2,933 homes for sale in KISSIMMEE, FL · median $373,400 · 617 homes for sale in 34747 · Osceola County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Oak Island Harbor At Formosa Gardens in Kissimmee, FL has 1 home for sale. Over the 12 months ending 2026-09-12, 4 recorded sales closed at a median of $432,500, $233 per square foot, a median 34 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 1994 - 1997; 6 of 6 report an HOA (median $50/mo); 4 of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 108 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,590 ($5,990 with the full homestead exemption).
Part of the Formosa Gardens master-planned community in Kissimmee, FL — see all Formosa Gardens homes for sale (6 listings across 4 villages and sections in the MLS).
Oak Island Harbor at Formosa Gardens right now
🟡 Balanced market. 3.0 months of supply and 50% 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 12, 2026. Confidence: Medium (2 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 15, 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
Oak Island Harbor at Formosa Gardens market snapshot (as of September 12, 2026): the median sale price is about $432K ($233 per sq ft over the trailing 12 months of closed sales), a median 34 days on market for closed sales, and 3.0 months of supply, a balanced market.
In ZIP 34747 (KISSIMMEE), 2,598 homes closed in the last 12 months at a median of $458K ($220/sq ft), down 3.9% year over year, with a median 74 days on market. Right now 552 active and 96 pending listings put supply at about 7.3 months - a buyer's market. See the live ZIP 34747 housing market and the Osceola County market.
Oak Island Harbor at Formosa Gardens is a community of 57 homes in Kissimmee, Osceola County, built between 1993 and 2013 (median 1996), with a median living area of about 2,316 square feet. 35% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Oak Island Harbor at Formosa Gardens. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Oak Island Harbor at Formosa Gardens
Oak Island Harbor at Formosa Gardens
Oak Island Harbor at Formosa Gardens
Oak Island Harbor at Formosa Gardens
Oak Island Harbor at Formosa Gardens
Oak Island Harbor at Formosa GardensPhotos from Stellar MLS listings in Oak Island Harbor at Formosa Gardens; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($432K) IS the median in the snapshot above.
Windows contain 0 to 5 sales each (4 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 2007 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.
OAK ISLAND HARBOR AT FORMOSA GARDENS Market Scorecard
OAK ISLAND HARBOR AT FORMOSA GARDENS is currently a seller's market. About 3.0 months of supply, a median asking price of $555,000, and homes go under contract in about 13 days.
Typical home value in the 34747 ZIP is $400,438, about 3.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Oak Island Harbor at Formosa Gardens
Live MLS inventory for Oak Island Harbor at Formosa Gardens. 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 Oak Island Harbor at Formosa Gardens listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2007 through 2026. Tap any home to ask about it.
Oak Island Harbor at Formosa Gardens 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, tiles © CARTO.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Westside K-8 · Elementary
- West Side · Middle
- Celebration High · High
Zoned schools reflect the assignments reported on recent Oak Island Harbor at Formosa Gardens 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 Oak Island Harbor at Formosa Gardens address.
Shop the zone: Homes zoned for Celebration High High School
The Oak Island Harbor at Formosa Gardens buying strategy.
If we were buying in Oak Island Harbor at Formosa Gardens 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 Oak Island Harbor at Formosa Gardens.
A closer look at the Oak Island Harbor at Formosa Gardens market
At a median of $233 per square foot, Oak Island Harbor at Formosa Gardens 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 3.0 months of supply, a balanced market. Homes that do trade take a median 34 days on market, useful leverage on any listing that has lingered.
The housing stock is 57 homes built between 1993 and 2013, and 35% 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 Oak Island Harbor at Formosa Gardens. 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 Oak Island Harbor at Formosa Gardens 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 3 factors (6.1). Basis: Liquidity & Demand 3.0 months of supply; Owner Commitment 35% owner-occupied; Pricing Power 96.5% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $50/month (about $600/yr) · median of 15 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $50 per month ($600 a year) - the median AssociationFee across 15 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Oak Island Harbor at Formosa Gardens 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 Oak Island Harbor at Formosa Gardens sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oak Island Harbor at Formosa Gardens, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Oak Island Harbor at Formosa Gardens home worth?
Get a no-obligation home value based on real comparable sales in Oak Island Harbor at Formosa Gardens, 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 Oak Island Harbor At Formosa Gardens
Homes in Oak Island Harbor At Formosa Gardens 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. 1 on record.
- 2910 Lotus Ct · off market
Frequently Asked Questions
What is the median home price in Oak Island Harbor at Formosa Gardens?
How long do homes in Oak Island Harbor at Formosa Gardens take to sell?
Is Oak Island Harbor at Formosa Gardens a buyer's or seller's market right now?
How many homes are in Oak Island Harbor at Formosa Gardens?
What share of Oak Island Harbor at Formosa Gardens is owner-occupied?
When were the homes in Oak Island Harbor at Formosa Gardens built?
Who is the best real estate agent for Oak Island Harbor at Formosa Gardens?
How do I find a top Kissimmee real estate agent who knows Oak Island Harbor at Formosa Gardens?
Can Momentum Realty connect me with an agent for Oak Island Harbor at Formosa Gardens?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34747)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2007 (12 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.
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See how Oak Island Harbor At Formosa Gardens fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Oak Island Harbor at Formosa Gardens with Momentum Realty’s local guides.