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Overview

3 bd2 ba1,957 sqft2 car garageSingle Family
TypeSingle Family
HOA$104/mo
Built2021
Lot5,663 sqft
Living area1,957 sqft
Price / sqft$230
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Living Room/Dining Room ComboPrimary Bedroom Main FloorThermostatWalk-in Closet(s)Private EntrancePrivate YardSidewalkSliding Doors

4900 Lotta CT is a 2021-built home in Hanover Lakes Ph 3, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,957 square feet of living space. Listed at $449,500 (about $230/sqft), 263 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $104 monthly.

From the listing

Welcome to lake-connected living in the highly sought-after Hanover Lakes community, where modern design meets an unbeatable waterfront lifestyle. Built in 2021, this beautifully maintained single-story home offers nearly 2,000 square feet of thoughtfully designed living space with 3 bedrooms and 2 bathrooms, perfectly positioned on a canal with direct access to the Alligator Chain of Lakes. Step inside to an open, light-filled layout featuring durable ceramic tile throughout the main living areas, a seamless living and dining combination, and sliding glass doors that invite indoor-outdoor living. The kitchen is both functional and stylish, offering ample workspace and modern appliances, ideal for everyday living or entertaining guests. The spacious primary suite is tucked away for privacy and includes a walk-in closet and a comfortable ensuite bath, creating a true retreat at the end of the day. Outside, enjoy the freedom of a private yard and the rare opportunity to live in a community with boat slip access, sidewalks, and a well-maintained neighborhood atmosphere. With a two-car garage, public utilities, low monthly HOA, CDD already in place, and convenient access to major roadways, shopping, dining, and everyday essentials, this home delivers the perfect balance of comfort, location, and lifestyle. Whether you’re drawn to the newer construction, the water access, or the easy one-level living, this home stands out as an exceptional opportunity in St. Cloud’s growing lakefront corridor.

The essentials

Built
2021
Price / sqft
$230
On market
263 days
Annual tax
$7,338
HOA
$104/mo
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
2 car garage
5,663 sqft lot
Lot size
1,957 sqft
Living area

Payment

Est. monthly payment
$3,284/mo
Down payment (20%)
$89,900
Property taxes
$611/mo
HOA
$104/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
5,663 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
263
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Thermostat
Walk-in Closet(s)
Private Entrance
Private Yard
Sidewalk
Sliding Doors
Dishwasher
Disposal
Electric Water Heater
Microwave
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$7,338
Parcel #
20-26-31-3429-0001-2530

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Hanover Lakes Ph 3
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
5,663 sqft
HOA
$104/mo
Artemis Lifestyles

Price history

Date
Event
Price
1/29/2026
Listed for sale
Source: Stellar MLS #O6374765
$449,500
$230/sqft

Neighborhood

4900 Lotta CT
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $449,500
$447,500 – $449,500
99.5% – 100% of listTops out right at the list price
80% of listList price
245 of the last 395 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 263.

Sample: 395 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,285/mo
Principal & interest$2,344
Property taxes$611
Insurance$225
HOA$104
Down payment20% · $89,900
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$449,500

$230 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,957 sq ft

Time on market

263 days

Year built

2021

Monthly payment

About $3,284/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,338 annual tax bill, insurance, and the $104/mo HOA fee.

HOA fee

$104/mo

Managed by Artemis Lifestyles.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byMARKET CONNECT REALTY LLCListing agent: Maria GorisListing data from Stellar MLS, MLS# O6374765.

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