5035 Down CT, photo 1
Active
1 / 48

Overview

5 bd4 ba3,846 sqft3 car garageSingle Family
TypeSingle Family
HOA$335/qtr
Built2023
Lot6,970 sqft
Living area3,846 sqft
Price / sqft$164
Garage3 car

Ask anything about this home

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

About this home

Ceiling Fans(s)SidewalkDeed RestrictionsGated Community - No GuardPlaygroundPoolDishwasherElectric Water Heater

5035 Down CT is a 2023-built home in Hanover Lakes Ph 5, St Cloud. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,846 square feet of living space. Listed at $629,000 (about $164/sqft), 15 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $335 quarterly.

From the listing

Virtually Staged. WELCOME TO YOUR WATERFRONT FLORIDA LIFESTYLE! Best buy in Hanover Lakes! This stunning 2023-built, 5-bedroom, 3-bath home offering 3,846 square feet of living space in the highly desirable Hanover Lakes community. If you're looking for the perfect combination of boating, resort-style amenities, modern living, and plenty of space, this home checks all the boxes! Situated along a peaceful canal with dock rights and access to the Alligator Chain of Lakes, this property offers an incredible opportunity to embrace the Florida boating lifestyle right from your own backyard. From the moment you arrive, the welcoming front porch invites you to slow down and enjoy the neighborhood. Sip your morning coffee while watching neighbors walk, jog, and bike through this beautiful community. Step inside to a spacious, thoughtfully designed floor plan perfect for both everyday living and entertaining. The main level features a private bedroom and full bathroom with soaker tub, making it ideal for relaxing from a long day. This large home is perfect for multigenerational living, or anyone wanting a comfortable first-floor retreat. A dedicated office provides the perfect space for working from home, running a business, or managing household needs. The heart of the home is the impressive open kitchen, featuring stainless steel appliances, a large center island, stylish backsplash, and adjoining dining area. The open-concept design makes entertaining effortless while keeping everyone connected. The entire downstairs is already tiled, offering both style and easy maintenance. Upstairs, you'll find four additional bedrooms, including a spacious suite designed for relaxation. The bathroom features a large walk-in shower, huge soaker tub while the generous walk-in closet provides plenty of storage. And the space doesn't stop there! A versatile loft and separate flex space give you endless possibilities. Create a media room, playroom, home gym, study, hobby area, or additional living space—the choice is yours. Step outside onto the beautiful and large paved rear lanai and take in the tranquil canal views. Professionally installed turf grass for maintenance free yard leaving you extra time to enjoy living the Florida lifestyle. Whether you're enjoying your morning coffee, hosting friends, or relaxing at the end of the day, the peaceful waterfront setting creates the perfect backdrop. For boating enthusiasts, the canal provides dock rights and access to the Alligator Chain of Lakes, opening the door to days spent fishing, cruising, exploring, and enjoying the water. The community also features a boat lift that provides access from the canal system to the lake, making it even easier to enjoy the boating lifestyle. And when you're ready to stay closer to home, Hanover Lakes offers fantastic resort-style amenities, including a community pool with splash area and playground—providing plenty of options for fun and relaxation for the entire family. With nearly new construction, 5 bedrooms, 3 full baths, a dedicated office, loft, flex space, canal frontage, dock rights, lake-chain access, and resort-style community amenities, this home offers much more than a beautiful home—it offers the Florida lifestyle you've been dreaming about. Bring your boat, bring your family, and get ready to enjoy life on the water! Virtually staged in one or more photos

The essentials

Built
2023
Price / sqft
$164
On market
56 days
Annual tax
$11,454
HOA
$335/qtr
Flood zone
X · Low risk
Lot
6,970 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Waterfront
Canal - Freshwater
Community pool
Shared amenity
3 car garage
6,970 sqft lot
Lot size

Payment

Est. monthly payment
$4,661/mo
Down payment (20%)
$125,800
Property taxes
$955/mo
HOA
$335/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
6,970 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Canal - Freshwater
Days on Market
56
Ceiling Fans(s)
Sidewalk
Deed Restrictions
Gated Community - No Guard
Playground
Pool
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$11,454
Parcel #
20-26-31-0138-0001-4740

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
6,970 sqft
Paved
HOA
$335/qtr
Artemis Lifestyles

Price history

Date
Event
Price
9/18/2026
Price change
Source: Stellar MLS #S5155859
$629,000-1.6%
$164/sqft
8/15/2026
Listed for sale
Source: Stellar MLS #S5155859
$639,000
$166/sqft

Neighborhood

5035 Down CT
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $629,000
$625,000 – $629,000
99.5% – 100% of listTops out right at the list price
80% of listList price
234 of the last 372 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 56 after a $10,000 cut.

Sample: 372 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,661/mo
Principal & interest$3,280
Property taxes$955
Insurance$315
HOA$112
Down payment20% · $125,800
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

$629,000

$164 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,846 sq ft

Time on market

56 days

Year built

2023

Monthly payment

About $4,661/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $11,454 annual tax bill, insurance, and the $335/qtr HOA fee.

HOA fee

$335/qtr

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 byST. CLOUD REAL ESTATEListing agent: Kim DavidsonListing data from Stellar MLS, MLS# S5155859.

Keep exploring Florida

Pick up where you left off, or see what else is out there.