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Overview

5 bd3 ba3,198 sqft2 car garageSingle Family
TypeSingle Family
HOA$335/qtr
Built2023
Lot5,663 sqft
Living area3,198 sqft
Price / sqft$203
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersStone CountersThermostat

5026 Down CT is a 2023-built home in Hanover Lakes Ph 5, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,198 square feet of living space. Listed at $650,000 (about $203/sqft), 108 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $335 quarterly.

From the listing

Seller says sell - Price reduced and OFFERING $5,000 in closing cost assistance!! Welcome to this stunning 5-bedroom, 3-bath home built in 2023 by LandSea Homes, featuring the desirable Wilshire floor plan with almost 3,200 SQFT of living space. If you are looking for a BOATING LIFESTYLE with RESORT STYLE amenities, this is for YOU! Perfectly positioned on a canal with DOCK RIGHTS and access to the Alligator Chain of Lakes, this home blends modern comfort, flexible living, and the Florida lifestyle buyers are looking for. From the moment you arrive, the inviting front porch sets the tone. It's the perfect spot to enjoy your morning coffee while watching the neighborhood come to life with walkers, runners, and bike riders. Inside, you'll find a spacious and thoughtful layout designed for both everyday living and entertaining. The main level features a downstairs bedroom and full bath, ideal for guests, multigenerational living, or added privacy, along with a DEDICATED OFFICE for working from home or managing daily life. The open kitchen boasts stainless steel appliances, a LARGE ISLAND, BACKSPLASH, and a dining area just off to the side, creating an easy flow for hosting, gathering, and staying connected. The downstairs is also already tiled for you! Upstairs, you'll find four additional bedrooms, including a spacious primary suite with a large walk-in shower and generous walk-in closet. A loft and separate flex space provide even more room to spread out, whether you need a media area, playroom, home gym, study space, or second living area. Step outside to your screened back lanai and enjoy peaceful canal views overlooking the water. The newly finished SOUTH FACING (getting the most sun all day) HEATED SALT WATER POOL, completed in 2024, creates the ultimate backyard retreat for relaxing, entertaining, and enjoy the Florida days. The canal offers the potential for a private dock, giving you the opportunity to further embrace waterfront living and access to the Alligator Chain of Lakes. The community adds even more to love, with a BOAT LIFT that provides access from the canal system out to the lake, plus a community pool with a SPLASH AREA and a PLAYGROUND. There's no shortage of fun for anyone in HANOVER LAKES. Whether you're enjoying time at home, relaxing by your own pool, or taking advantage of the neighborhood resort style amenities, this home offers a lifestyle that feels connected, convenient, and full of opportunity. With nearly new construction, a flexible floor plan, a new pool, canal frontage, lake chain access, and wonderful community amenities, this home offers space, lifestyle, and location all in one beautiful package. WHY WAIT TO BUILD? Everything is already done for you! Ask about currently available financing options featuring competitive interest rates, low-down-payment programs, and potential no-closing-cost options for qualified buyers. Program availability, rates, terms, and buyer eligibility are subject to lender approval and may change without notice.

The essentials

Built
2023
Price / sqft
$203
On market
108 days
Annual tax
$9,145
HOA
$335/qtr
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Waterfront
Canal - Freshwater
Private pool
Heated
2 car garage
Driveway
5,663 sqft lot
Lot size

Payment

Est. monthly payment
$4,589/mo
Down payment (20%)
$130,000
Property taxes
$762/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
Parking
Driveway, Garage Door Opener, Workshop in Garage
Pool
Gunite, Heated, In Ground, Lighting, Salt Water, Screen Enclosure
Waterfront
Canal - Freshwater
Days on Market
108
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Rain Gutters
Sidewalk
Community Mailbox
Deed Restrictions
Gated Community - No Guard
Playground
Pool
Sidewalks
Dishwasher
Disposal
Electric Water Heater
Ice Maker
Microwave
Range
Refrigerator
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)
$9,145
Parcel #
20-26-31-0138-0001-4890

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
LandscapedSidewalkStreet Dead-EndPaved
HOA
$335/qtr
HANOVER LAKES HOA/ARTEMIS

Price history

Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #P4939138
$650,000-1.5%
$203/sqft
-
Price change
Source: Stellar MLS #P4939138
$660,000-2.2%
$206/sqft
6/25/2026
Listed for sale
Source: Stellar MLS #P4939138
$675,000
$211/sqft

Neighborhood

5026 Down CT
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $650,000
$645,000 – $650,000
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 108 after a $25,000 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
$4,589/mo
Principal & interest$3,390
Property taxes$762
Insurance$325
HOA$112
Down payment20% · $130,000
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 is the fee 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

$650,000

$203 per sq ft

Beds and baths

5 beds, 3 baths

Size

3,198 sq ft

Time on market

108 days

Year built

2023

Monthly payment

About $4,589/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,145 annual tax bill, insurance, and the $335/qtr HOA fee.

HOA fee

$335/qtr

Managed by HANOVER LAKES HOA/ARTEMIS.

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 byCENTURY 21 MYERS REALTYListing agent: Tisha TalbotListing data from Stellar MLS, MLS# P4939138.

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