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About this home
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.
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.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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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.
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