
5046 DOWN COURT, ST CLOUD, FL, 34772
Active68 days on marketListed May 15, 2026MLS #O6406936
About this home
5046 DOWN COURT
Backyard Boat Access | 2023 Waterfront Home | Minutes to Lake Nona - The most affordable true waterfront home in Hanover Lakes. Rare Waterfront Opportunity!!! Beautifully maintained, this nearly NEW WATERFRONT home offers the look and feel 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, framed bathroom mirrors, 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, 42 inch cabinetry, 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, giving the home a consistent and finished feel. The primary suite is one of the standout spaces, featuring upgraded cabinetry, quartz countertops, a garden tub, glass enclosed shower, and a KOHLER digital shower system with programmable controls, rain 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 was also built with convenience in mind, including 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.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,197
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$167
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.
$4,464 /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
$4,464/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−5.4%
$/sqft vs St Cloud actives
$167 vs $220
Days on market
68 vs 33 typical
Where $167/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
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
189 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 45% 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 5046 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 · Oct ’25$640,000
4930 CHASE COURT
5 bd · 3 ba · 3,198 sqft · $200/sqft · 13 DOM
Sold · Mar ’26$724,000
5038 TIBET COURT
5 bd · 3 ba · 3,198 sqft · $226/sqft · 8 DOM
Sold · Jan ’26$680,000
2970 WINDSONG LANE
5 bd · 4.5 ba · 3,187 sqft · $213/sqft · 8 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5046 DOWN COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5046 DOWN COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
5046 DOWN COURT FAQs
What would the monthly payment be for 5046 DOWN COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,464/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 5046 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 5046 DOWN COURT?+
The most recent tax bill on record (2025) was $9,666. 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 5046 DOWN COURT?+
The listing reports pets: Cats OK, Dogs OK, 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 $535,000, this home is listed about 26% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5046 DOWN COURT?+
Hickory Tree Elementary School (elementary), Harmony High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$535,000 runs 45% above the ST CLOUD 34772 median — but at 3,197 sqft it's also 62% larger than the typical St Cloud listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
68 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $590,000, now $535,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC. MLS #O6406936.
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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