4921 LOTTA COURT, ST CLOUD, FL, 34772
Active46 days on marketListed Jun 21, 2026MLS #O6418580
About this home
4921 LOTTA COURT
Water view! This upscale executive single story home has four bedrooms, two and a half bathrooms, and athree car garage. The covered front porch leads into the welcoming foyer where you can greet your guests. The upscale kitchen features anisland with a double sink and a breakfast nook. The family room overlooks the enticing covered patio and also has an entrance to the ownerbedroom. The owner bathroom offers a walk-in shower and double sinks. There is also an expansive owner closet that can be accessed from thebathroom. The spacious floor plan offers all the space your family will need. Hanover Lakes is a much sought after waterfront community. Perfectfor boating, fishing and enjoying nature. Amenities to include: Dock and lift to the Chain of Lakes, Splash Park, Resort Style Swimming Pool andCabana. Hanover Lakes’ also has a great location. Minutes away from the Florida Turnpike with tons of shopping and dining options such asHarmony Farmers Market, it is convenient to get anywhere you need. Your family will love living and creating memories together at HanoverLakes.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,414
Sqft
0.16 ac
Lot size
2
Garage
2021
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$177 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$177/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Cloud actives
$1 vs $219
Days on market
46 vs 43 typical
Where $1/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $392K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
214 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4921 LOTTA COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$454,686
2940 NOTTEL DRIVE · same community
4 bd · 3.5 ba · 2,580 sqft · $176/sqft · 120 DOM
Sold · Sep ’25$470,000
3077 NOTTEL DRIVE · same community
4 bd · 2.5 ba · 2,580 sqft · $182/sqft · 91 DOM
Sold · May ’26$1,100,000
3355 WESTSHORE DRIVE
4 bd · 3 ba · 2,487 sqft · $442/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4921 LOTTA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4921 LOTTA COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4921 LOTTA COURT FAQs
What would the monthly payment be for 4921 LOTTA COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 4921 LOTTA COURT?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $2,400, this home is listed about 99% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4921 LOTTA COURT?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of TOPSKY REALTY INC · Zhiming Xu. MLS #O6418580.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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