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Overview

3 bd2 ba2,323 sqftSingle Family
TypeSingle Family
HOA$92.82/mo
Built2014
Lot6,750 sqft
Living area2,323 sqft
Price / sqft$202

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

About this home

Kitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorStone CountersWalk-in Closet(s)Window TreatmentsPrivate YardSidewalk

4922 Tortoise Trl is a 2014-built home in Turtle Creek, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,323 square feet of living space. Listed at $470,000 (about $202/sqft), 2 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $92.82 monthly.

From the listing

Single Family Home.

The essentials

Built
2014
Price / sqft
$202
On market
2 days
Annual tax
$4,097
HOA
$92.82/mo
Flood zone
X · Low risk
Lot
6,750 sqft
Type
Single Family Residence

At a glance

Single family
Built 2014
6,750 sqft lot
Lot size
2,323 sqft
Living area

Payment

Est. monthly payment
$3,120/mo
Down payment (20%)
$94,000
Property taxes
$341/mo
HOA
$92.82/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2014
Lot
6,750 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
2
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Window Treatments
Private Yard
Sidewalk
Street Lights
Convection Oven
Dishwasher
Disposal
Microwave
Refrigerator
Elementary
Lakeview Elem (K 5)
Middle
Narcoossee Middle
High
Nova Lakes High School

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

Homestead exemption on file Flood Zone x
Annual Tax (2025)
$4,097
Parcel #
312531084200012730

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
Turtle Creek
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
6,750 sqft
HOA
$92.82/mo
Artemis Lifestyles

Price history

Date
Event
Price
10/17/2026
Listed for sale
Source: Stellar MLS #O6450670
$470,000
$202/sqft

Neighborhood

4922 Tortoise Trl
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $470,000
$467,500 – $470,000
99.5% – 100% of listTops out right at the list price
80% of listList price
303 of the last 468 home closings in 34771 landed at this number or higher (65%). The median one sat 37 days before it went under contract, and this one is on day 2.

Sample: 468 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,121/mo
Principal & interest$2,451
Property taxes$341
Insurance$235
HOA$93
Down payment20% · $94,000
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

$470,000

$202 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,323 sq ft

Time on market

2 days

Year built

2014

Monthly payment

About $3,120/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,097 annual tax bill, insurance, and the $92.82/mo HOA fee.

HOA fee

$92.82/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?

Have another question?

Brokered byPREFERRED REAL ESTATE BROKERSListing agent: Monica Vega Stiskin, LLCListing data from Stellar MLS, MLS# O6450670.

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