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List Price

$419,995

2106 The Oaks, Kissimmee, FL 34746

49 days on market

Estimated Payment

$3,179/mo

20% down and current market rates

Bedrooms4 bdBathrooms2 baLiving area2,045 Square FeetYear builtBuilt 2004

Listed by

Abdias Alexandre

CENTRIC REALTY SERVICES LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Tucked away in the sought-after Oaks Golf Community, this well-cared-for home combines lasting quality with everyday comfort. A brand new roof and updated tile flooring run throughout, freshly painted inside and out, updated bathroom, and Laminate in the bedrooms giving the space a fresh, low maintenance foundation. Sunlight pours through the interior, lending an open, welcoming feel to every room. At the heart of the home, the renovated kitchen impresses with sleek countertops, brand new appliances, and an oversized island with breakfast bar seating , perfect for quick meals or hosting friends. The adjoining family room opens generously into the surrounding living areas, creating an easy flow that's ideal for entertaining or simply unwinding.

2106 The Oaks, Kissimmee, FL 34746 in Kissimmee, FL 34746 is listed for $419,995. The home has 4 bedrooms, 2 bathrooms, and 2,045 square feet, and was built in 2004. Listed 49 days ago. The listing is held by CENTRIC REALTY SERVICES LLC.

34746 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$6,695 (tax year 2025)
HOA fee$29 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $83,999

$

$3,179/moest.

  • Principal & Interest 71%
  • Property Taxes 18%
  • Insurance 11%
  • HOA 1%
Principal & Interest
$2,242
Property Taxesfrom listing
$558
Insurance
$350
HOA
$29

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $3,179, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $6,695 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR802230077. HomeJam is not the listing broker.

List Price

$419,995

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