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$535,000

5046 DOWN COURT, ST CLOUD, FL 34772

3D Tour
Active75 days on market

Beds

5

Baths

3

Sq Ft

3,197 sq ft

Year Built

2023

Lot Size

0.13 acres

Garage

2

About This Property

*** SELLER MOTIVATED *** Backyard Boat Access | 2023 WATERFRONT HOME | Minutes to LAKE NONA- The BEST PRICED waterfront home in the Saint Cloud- Lake Nona area!! Beautifully maintained and the feeling of new construction with the benefit of upgrades already in place. Set along one of Hanover Lakes’ scenic canals, the home offers boat access to an expansive chain of lakes, with peaceful water views, fishing, kayaking, and the ability to enjoy your boat right from your own backyard. Inside, the home feels bright, clean, and well finished, with details that set it apart from the ordinary. Custom tile flooring runs through the main level and wet areas, complemented by fresh paint, CEILING FANS throughout, CUSTOM MILLWORK, wainscoting, WOOD ACCENT WALLS, and well placed DROP ZONES near both the front entry and garage entry. The home also offers EXCELLENT STORAGE throughout, with generous cabinetry and practical spaces that make everyday living feel organized and comfortable.The kitchen has a clean, upgraded look with QUARTZ COUNTERTOPS, and BACKSPLASH, 42 inch cabinets, recessed lighting, a single basin stainless steel undermount sink, built in soap dispenser, and a countertop AIR SWITCH for the garbage disposal. Quartz countertops continue into EVERY BATHROOM! The primary suite is one of the standout spaces, featuring upgraded cabinetry, GARDEN TUB, GLASS enclosed shower, and a KOHLER digital shower system with programmable controls, RAINFALL SHOWER HEAD, body sprays, hand shower, and multiple shower settings. The secondary bathrooms are also finished with upgraded cabinetry, quartz countertops, glass enclosures, decorative wall detailing, and carefully selected fixtures. The home features STORAGE, smart locks, Ring doorbell, SPACIOUS LAUNDRY ROOM pre plumbed for a sink, pool bath door for future outdoor living, and a 240V EV CHARGER. The OVERSIZED two car garage includes EPOXY flooring and an EXTENDED DEPTH BAY, giving you extra space for storage, tools, or a workshop area while still keeping room for parking. Hanover Lakes offers a true waterfront community lifestyle with resort style amenities including a ZERO ENTRY POOL, splash pad, sundeck, playground, green spaces, fishing areas, community docks, and expansive canals. Located within minutes of Downtown St. Cloud, Lakefront Park, the Historic St. Cloud Twin Theatre, LAKE NONA, Medical City, Orlando International Airport, 417, DISNEY, UCF, shopping, dining, and major Central Florida destinations, this home brings together waterfront living, meaningful upgrades, and a location that makes everyday life feel connected and convenient.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6406936
StatusActive
Year Built2023
Stories2
Total Rooms15
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesEast
SubdivisionHANOVER LAKES PH 5
CountyOsceola
OwnershipFee Simple

Interior Features

InteriorPrimaryBedroom Upstairs, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
FlooringCeramic Tile, Luxury Vinyl
AppliancesCooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
WindowsBlinds, Double Pane Windows, Shades, Window Treatments
CoolingCentral Air
HeatingCentral, Electric
SecurityFire Alarm, Smoke Detector(s), Touchless Entry

Exterior & Lot

ExteriorIrrigation System, Lighting, Private Mailbox, Private Yard, Sidewalk, Sliding Doors, Storage
Lot Size0.13 acres (5,663 sq ft)
Lot FeaturesLandscaped, Private, Sidewalk
Road SurfacePaved, Asphalt
ViewWater
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Phone Available, Sewer Connected, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$335 / Quarterly
Senior CommunityNo

Financial Details

List Price$535,000
Original Price$590,000
Annual Taxes$9,666 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningRES
Parcel #202631013800014940

Schools

ElementaryHickory Tree Elem
MiddleHarmony Middle
HighHarmony High

Directions

From Florida’s Turnpike, take Exit 240 toward Kissimmee Park Rd. Continue to Old Canoe Creek Rd, then to Pine Tree Dr, turn onto Hickory Tree Rd, and continue to Down Ct. Property will be located at 5046 Down Ct.

Location

5046 DOWN COURT, ST CLOUD, FL 34772

Listing Information

OfficeOLYMPUS EXECUTIVE REALTY INC
ListedMay 15, 2026

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Home Price

$535,000

20% ($107,000)
6.75%

Loan Term

Principal & Interest$2,776
Property Tax (est.)$490
Insurance (est.)$150
Total Monthly$3,416
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $535,000 home in ST CLOUD.

🏛️

FHA Loan

$18,725 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$26,750 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 29, 2026.

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