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List Price

$689,900

3074 White Horse, Kissimmee, FL 34746

45 days on market

Estimated Payment

$5,454/mo

20% down and current market rates

Bedrooms5 bdBathrooms4 baLiving area3,863 Square FeetYear builtBuilt 2015

Listed by

Audrey Torres

LUX NOVA REALTY 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

Pride of ownership shines throughout this upgraded turnkey 5-bedroom, 3.5-bath home with a first-floor primary suite in the gated resort community of Storey Lake. Lovingly maintained by its original owner and never rented, this nearly 4,000-square-foot residence is ready for you to move right in. Inside, rich hardwood and elegant tile flooring flow throughout, and the kitchen features beautiful granite countertops. The first-floor primary suite, finished with warm wood floors, offers privacy and convenience, while a separate dedicated office makes working from home easy. Upstairs, an expansive loft is ready to become a media room, game room, playroom, or second living area. Everyday living is easier with TWO laundry rooms, one on each floor, plus a security system for added peace of mind.

3074 White Horse, Kissimmee, FL 34746 in Kissimmee, FL 34746 is listed for $689,900. The home has 5 bedrooms, 4 bathrooms, and 3,863 square feet, and was built in 2015. Listed 45 days ago. The listing is held by LUX NOVA REALTY 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$10,356 (tax year 2025)
HOA fee$249 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 the latest published rate.

Illustrative estimate

Loan Program

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

20%

Down payment (20% of price): $137,980

$

$5,454/moest.

  • Principal & Interest 69%
  • Property Taxes 16%
  • Insurance 11%
  • HOA 5%
Principal & Interest
$3,767
Property Taxesfrom listing
$863
Insurance
$575
HOA
$249

30-year fixed at 7.254%, as of November 12, 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: 7.254% for a 30-year fixed loan (Optimal Blue daily, published November 12, 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 $5,454, 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 $10,356 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 Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812611766. HomeJam is not the listing broker.

List Price

$689,900

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