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Overview

5 bd4 ba3,854 sqft3 car garageSingle Family
TypeSingle Family
HOA$335/qtr
Built2023
Lot6,970 sqft
Living area3,854 sqft
Price / sqft$171
Garage3 car

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

About this home

Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorStone CountersGarden

5019 Down CT is a 2023-built home in Hanover Lakes Ph 5, St Cloud. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,854 square feet of living space. Listed at $659,000 (about $171/sqft), 28 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $335 quarterly.

From the listing

Vacant home ready for move in! Upgraded Exbury Premier Model. Experience the best of lakeside living in this stunning 2023-built home located in the sought-after Hanover Lakes community. With 5 spacious bedrooms, 3.5 bathrooms, and a flexible first-floor office or den, this beautifully designed residence features a modern open-concept layout perfect for both everyday comfort and effortless entertaining. Step inside to an expansive main living area highlighted by upgraded herringbone wood tile flooring, a large kitchen island, and generous cabinet space. The natural medium oak cabinetry, granite countertops, and gold-finish hardware add a modern touch, while smart light fixtures throughout the home provide both convenience and style. With over $66,000 in owner upgrades, this home blends high-end finishes with thoughtful enhancements throughout. The dining area flows seamlessly into a covered, tiled lanai—now upgraded with a screened door—creating an ideal space for indoor- outdoor living year-round. Upstairs, a spacious second living area provides flexibility for media, work, or play. Four generously sized bedrooms and two full bathrooms provide ample room for family or guests, while the first-floor primary suite serves as a private retreat complete with a spa-inspired bath, deluxe soaking tub, and separate shower. Additional highlights include a 3-car garage with protective epoxy flooring, offering a polished, non-slip finish, and plenty of storage space. Though barely lived in, this home presents like brand new—ready for its next chapter. Residents of Hanover Lakes enjoy exclusive access to a private boat dock with direct access to Alligator Lake, perfect for enjoying Florida's natural beauty. The community also features a resort-style pool, splash pad, and a spacious sundeck with breathtaking views. Located in Osceola County, you're just minutes from Orlando’s top attractions, beaches, and major expressways. Don’t miss this incredible opportunity to own a nearly new home in a vibrant waterfront community—schedule your private tour today!

The essentials

Built
2023
Price / sqft
$171
On market
28 days
Annual tax
$11,710
HOA
$335/qtr
Flood zone
X · Low risk
Lot
6,970 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Waterfront
Lake Privileges
3 car garage
6,970 sqft lot
Lot size
3,854 sqft
Living area

Payment

Est. monthly payment
$4,854/mo
Down payment (20%)
$131,800
Property taxes
$976/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
Electric
Parking
-
Waterfront
Lake Privileges
Days on Market
28
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Garden
Lighting
Sidewalk
Sprinkler Metered
Street Lights
Dishwasher
Disposal
Dryer
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.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$11,710
Parcel #
20-26-31-0138-0001-4780

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
HOA
$335/qtr
Mary James

Price history

Date
Event
Price
9/14/2026
Listed for sale
Source: Stellar MLS #S5156405
$659,000
$171/sqft

Neighborhood

5019 Down CT
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $659,000
$655,000 – $659,000
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 375 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 28.

Sample: 375 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
$4,854/mo
Principal & interest$3,437
Property taxes$976
Insurance$330
HOA$112
Down payment20% · $131,800
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

$659,000

$171 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,854 sq ft

Time on market

28 days

Year built

2023

Monthly payment

About $4,854/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $11,710 annual tax bill, insurance, and the $335/qtr HOA fee.

HOA fee

$335/qtr

Managed by 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

What should I offer?

Have another question?

Brokered byREALTY HUBListing agent: Cathy WangListing data from Stellar MLS, MLS# S5156405.

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