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Overview

5 bd4 ba2,652 sqft3 car garageSingle Family
TypeSingle Family
HOA$335/qtr
Built2023
Lot6,894 sqft
Living area2,652 sqft
Price / sqft$207
Garage3 car

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

About this home

Dry BarKitchen/Family Room ComboPrimary Bedroom Main FloorSolid Surface CountersSplit BedroomThermostatWalk-in Closet(s)Rain Gutters

5012 Bessie CT is a 2023-built home in Hanover Lakes Ph 4, St Cloud. Inside you'll find 5 bedrooms, 4 bathrooms, and 2,652 square feet of living space. Listed at $550,000 (about $207/sqft), 67 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $335 quarterly.

From the listing

Welcome home! This waterfront property boasts 5 bedrooms and 3.5 bathrooms - the perfect large family or multigenerational home - with direct connection to the Alligator Chain of Lakes through the community boat lift for a luxurious lakefront lifestyle that places relaxing, boating, and fishing fun right at your doorstep. Modern finishes, smart home features, and a prime location on a quiet dead-end street position it as an ideal retreat for those seeking the lakefront lifestyle. The open family room and chef's kitchen anchor the home's interior, with a large island, breakfast bar seating, quartz waterfall countertop, stainless steel appliances, self-cleaning double wall oven, farm sink, pantry closet, and 42-inch upper cabinets providing serious cooking capabilities for all occasions, with a quaint canal view. Smart features add a layer of 21st-century functionality to this home, with the garage door, thermostats, Eufy security system, and double wall oven being Wi-Fi connected and controllable whether you are home or away. Although these seem like small things, the little things make such a difference when life never seems to slow down. The app for the oven is the seller’s personal favorite because you can set the temperature ahead of time, so it is ready as soon as you walk in. The features don’t stop there. Recessed lighting illuminates the main areas, where cohesive and durable tile creates visual continuity from the entry foyer to the family room. The cohesiveness continues throughout the home, with all bedrooms featuring plush carpet, offering warmth and comfort in the private quarters, while all bathrooms include matching quartz countertops that perfectly complement the kitchen. Whether it is a morning coffee, a lazy Sunday, or quality time, the relaxing canal view can be enjoyed from the screened patio, family room, or even your bed in the primary suite. Air-conditioned storage is another plus of this home, with several large closets throughout, including some that are hidden away. Beyond the property itself, the community of Hanover Lakes features an array of thoughtful amenities. First off, there is a community boat ramp and lift to the Alligator Chain of Lakes, making the need for a private dock optional. Secondly, there is a community pool with a small waterpark that has two slides, a covered patio with plenty of tables and chairs, a shaded playground, and a multipurpose field adjacent to the pool, perfect for all kinds of fun under the sun. The pool, playground, and patio sit behind a security gate that can be opened via an app, keeping the area secure and making it the perfect setting for the whole family to enjoy. Next to the boat lift, there is also a covered fishing dock that provides both a relaxing place to fish and view the calming waters of Alligator Lake. For daily needs, Publix and Winn-Dixie are minutes away, while Royal St. Cloud Golf Links is just around the corner for golf enthusiasts. Lakefront Park is also nearby with waterfront dining and outdoor recreation, including a beach area, walking/riding trails, splash pad, playground, and a public boat ramp providing access to additional boating, fishing, and water recreation on the East Lake Toho Chain of Lakes. St. Cloud Medical Center is conveniently located for medical needs, and proximity to the FL Turnpike ensures smooth regional connectivity. Do not miss your chance to experience this waterfront lifestyle firsthand. Schedule your private showing today!

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The essentials

Built
2023
Price / sqft
$207
On market
67 days
Annual tax
$3,370
HOA
$335/qtr
Flood zone
X · Low risk
Lot
6,894 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Waterfront
Canal - Freshwater
Community pool
Shared amenity
3 car garage
Driveway
6,894 sqft lot
Lot size

Payment

Est. monthly payment
$3,536/mo
Down payment (20%)
$110,000
Property taxes
$281/mo
HOA
$335/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
6,894 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Open
Waterfront
Canal - Freshwater
Days on Market
67
Dry Bar
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Thermostat
Walk-in Closet(s)
Rain Gutters
Sidewalk
Park
Playground
Pool
Sidewalks
Street Lights
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
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 (2025)
$3,370
Parcel #
20-26-31-0137-0001-4070

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 4
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
6,894 sqft
SidewalkStreet Dead-EndPaved
HOA
$335/qtr
Artemis Lifestyles / Raymond Shrum

Price history

Date
Event
Price
8/26/2026
Price change
Source: Stellar MLS #O6430705
$550,000-3.5%
$207/sqft
-
Price change
Source: Stellar MLS #O6430705
$570,000-2.6%
$215/sqft
8/5/2026
Listed for sale
Source: Stellar MLS #O6430705
$585,000
$221/sqft

Neighborhood

5012 Bessie CT
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $550,000
$545,000 – $550,000
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 376 home closings in 34772 landed at this number or higher (63%). The median one sat 41 days before it went under contract, and this one is on day 67 after a $35,000 cut.

Sample: 376 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
$3,536/mo
Principal & interest$2,868
Property taxes$281
Insurance$275
HOA$112
Down payment20% · $110,000
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

$550,000

$207 per sq ft

Beds and baths

5 beds, 4 baths

Size

2,652 sq ft

Time on market

67 days

Year built

2023

Monthly payment

About $3,536/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,370 annual tax bill, insurance, and the $335/qtr HOA fee.

HOA fee

$335/qtr

Managed by Artemis Lifestyles / Raymond Shrum.

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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Have another question?

Brokered byBERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTYListing agent: Joseph DoherListing data from Stellar MLS, MLS# O6430705.

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