5035 DOWN COURT, ST CLOUD, FL, 34772
Active17 days on marketListed Sep 3, 2026MLS #S5155859
About this home
5035 DOWN COURT
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
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,846
Sqft
0.16 ac
Lot size
3
Garage
2023
Year built
Two
Levels
$164
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,856 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,856/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
−8.2%
$/sqft vs St Cloud actives
$164 vs $217
Days on market
17 vs 47 typical
Where $164/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 → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
243 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 57% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5035 DOWN 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$675,000
3297 WAUSEON DRIVE
5 bd · 3.5 ba · 3,854 sqft · $175/sqft · 100 DOM
Sold · Feb ’26$635,000
3273 WAUSEON DRIVE
5 bd · 3.5 ba · 3,854 sqft · $165/sqft · 77 DOM
Sold · Oct ’25$647,000
4952 OLIVIA COURT
5 bd · 3.5 ba · 3,854 sqft · $168/sqft · 72 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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5035 DOWN COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5035 DOWN COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5035 DOWN COURT FAQs
What would the monthly payment be for 5035 DOWN COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,856/mo — principal and interest, the actual property-tax bill, the $112/mo association fee 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.
How much are the HOA fees at 5035 DOWN COURT?+
The association fee works out to $112 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5035 DOWN COURT?+
The most recent tax bill on record (2025) was $11,454. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5035 DOWN 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 $629,000, this home is listed about 47% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5035 DOWN COURT?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$629,000 runs 57% above the ST CLOUD 34772 median — but at 3,846 sqft it's also nearly twice the size of the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $639,000, now $629,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ST. CLOUD REAL ESTATE · Kim Davidson. MLS #S5155859.
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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