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Overview

5 bd3 ba3,197 sqft2 car garageSingle Family
TypeSingle Family
HOA$335/qtr
Built2023
Lot5,663 sqft
Living area3,197 sqft
Price / sqft$150
Garage2 car

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

About this home

Primarybedroom UpstairsStone CountersThermostatWalk-in Closet(s)Window TreatmentsLightingPrivate MailboxPrivate Yard

5046 Down CT is a 2023-built home in Hanover Lakes Ph 5, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,197 square feet of living space. Listed at $479,900 (about $150/sqft), 150 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $335 quarterly.

From the listing

BACK ON MARKET - Buyer was unable to close on the sale of their existing home and therefore could not complete the purchase of this property. MOVE in READY | 2023 WATERFRONT/BOATING 5BR HOME | Minutes to LAKE NONA! Meticulously maintained and several UPGRADES included in the home. Custom tile flooring runs through the main level and wet areas, complemented by fresh paint, CEILING FANS throughout, CUSTOM MILLWORK, wainscoting, WOOD ACCENT WALLS, and well placed DROP ZONES near both the front entry and garage entry. The home also offers EXCELLENT STORAGE throughout, with generous cabinetry and practical spaces that make everyday living feel organized and comfortable.The kitchen has a clean, upgraded look with STONE COUNTERTOPS, and BACKSPLASH, 42" cabinetry, recessed lighting, a single basin stainless steel undermount sink, built in soap dispenser, and a countertop AIR SWITCH for the garbage disposal. STONE countertops continue into EVERY BATHROOM! The primary suite is one of the standout spaces, featuring upgraded cabinetry, GARDEN TUB, GLASS enclosed shower, and a KOHLER digital shower system with programmable controls, RAINFALL SHOWER HEAD, body sprays, hand shower, and multiple shower settings. The secondary bathrooms are also finished with upgraded cabinetry, quartz countertops, glass enclosures, decorative wall detailing, and carefully selected fixtures. The home features STORAGE, smart locks, Ring doorbell, SPACIOUS LAUNDRY ROOM pre plumbed for a sink, and pool bath door for future outdoor living. The OVERSIZED two car garage includes EPOXY flooring and an EXTENDED DEPTH BAY, giving you extra space for storage, tools, or a workshop area while still keeping room for parking. This home features boat access to an expansive chain of lakes, with peaceful water views, fishing, kayaking, and the ability to enjoy your boat right from your own backyard. Hanover Lakes offers a true waterfront community lifestyle with resort style amenities including a ZERO ENTRY POOL, splash pad, sundeck, playground, green spaces, fishing areas, community docks, and expansive canals. Located within minutes of Downtown St. Cloud, Lakefront Park, the Historic St. Cloud Twin Theatre, LAKE NONA, Medical City, Orlando International Airport, 417, DISNEY, UCF, shopping, dining, and major Central Florida destinations, this home brings together waterfront living, meaningful upgrades, and a location that makes everyday life feel connected and convenient.

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The essentials

Built
2023
Price / sqft
$150
On market
150 days
Annual tax
$7,539
HOA
$335/qtr
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Water views
Water
Community pool
Shared amenity
2 car garage
Covered
5,663 sqft lot
Lot size

Payment

Est. monthly payment
$3,483/mo
Down payment (20%)
$95,980
Property taxes
$628/mo
HOA
$335/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,663 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Covered, Curb Parking, Driveway, Garage Door Opener, Ground Level, Guest, On Street, Workshop in Garage
Days on Market
150
Primarybedroom Upstairs
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Private Mailbox
Private Yard
Sidewalk
Storage
Community Mailbox
Playground
Pool
Sidewalks
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Freezer
Ice Maker
Microwave
Range
Refrigerator
Washer
Elementary
Hickory Tree Elem
Middle
Harmony Middle
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file In a CDD (Community Development District) Flood Zone x
Annual Tax (2026)
$7,539
Parcel #
20-26-31-0138-0001-4940

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 5
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
5,663 sqft
LandscapedPrivateSidewalkPaved
HOA
$335/qtr
Artemis Lifestyles Services/Mary James

Price history

Date
Event
Price
9/8/2026
Price change
Source: Stellar MLS #O6406936
$479,900-4.0%
$150/sqft
-
Price change
Source: Stellar MLS #O6406936
$499,900-15.3%
$156/sqft
5/15/2026
Listed for sale
Source: Stellar MLS #O6406936
$590,000
$185/sqft

Neighborhood

5046 Down CT
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $479,900
$477,500 – $479,900
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 377 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 150 after a $110,100 cut.

Sample: 377 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
$3,483/mo
Principal & interest$2,503
Property taxes$628
Insurance$240
HOA$112
Down payment20% · $95,980
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

$479,900

$150 per sq ft

Beds and baths

5 beds, 3 baths

Size

3,197 sq ft

Time on market

150 days

Year built

2023

Monthly payment

About $3,483/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,539 annual tax bill, insurance, and the $335/qtr HOA fee.

HOA fee

$335/qtr

Managed by Artemis Lifestyles Services/Mary James.

Flood zone

Zone X

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

Offer

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Brokered byOLYMPUS EXECUTIVE REALTY INCListing agent: David HijarListing data from Stellar MLS, MLS# O6406936.

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