5019 DOWN COURT, ST CLOUD, FL, 34772
Active6 days on marketListed Sep 14, 2026MLS #S5156405
About this home
5019 DOWN COURT
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!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,854
Sqft
0.16 ac
Lot size
3
Garage
2023
Year built
Two
Levels
$171
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.
$5,051 /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
$5,051/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
−4.1%
$/sqft vs St Cloud actives
$171 vs $217
Days on market
6 vs 47 typical
Where $171/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 65% 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 5019 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 5019 DOWN COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5019 DOWN COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5019 DOWN COURT FAQs
What would the monthly payment be for 5019 DOWN COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,051/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 5019 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 5019 DOWN COURT?+
The most recent tax bill on record (2025) was $11,710. 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 5019 DOWN COURT?+
The listing reports pets: Yes. 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 $659,000, this home is listed about 54% 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 5019 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
$659,000 runs 65% above the ST CLOUD 34772 median — but at 3,854 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.
03Fresh on the market
Only 6 days on market in a St Cloud market that averages 47 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of REALTY HUB · Cathy Wang. MLS #S5156405.
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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