5022 DOWN COURT, ST CLOUD, FL, 34772
Active77 days on marketListed May 5, 2026MLS #S5149266
About this home
5022 DOWN COURT
Luxury meets modern innovation in this spectacular 3,166 sq. ft. estate! Featuring 4 large size bedrooms and 3 full bathrooms, with a dedicated office space/option room, a large family loft up stairs and an oversized 3 car garage. From the moment you enter, the open floor plan reveals premium builder-upgraded flooring on the first floor and upgraded carpet upstairs, creating an atmosphere of sophistication. The chef’s dream gourmet kitchen with upgraded double ovens is a true centerpiece, featuring a stunning waterfall edge island, upgraded stainless steel appliances. Additionally, the home features a built-in water filtration system throughout the entire home. Experience ultimate comfort and technology with custom blackout shades installed throughout the home and a pre-wiring in the loft for a home theater, ready for your next movie night. Peace of mind comes standard with a fully installed security system. The backyard is a private sanctuary overlooking a serene spectacular water view. Dive into the luxury of a fantastic custom large 15 by 29 feet saltwater pool, featuring smart technology that allows you to control settings of your bubblers and pool lighting directly from your phone via Wi-Fi. Whether you’re entertaining or escaping the everyday, this home offers an unparalleled lifestyle of convenience and elegance. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,166
Sqft
0.13 ac
Lot size
3
Garage
2023
Year built
Two
Levels
$210
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.
$4,884 /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
$4,884/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
−46.3%
$/sqft vs St Cloud actives
$210 vs $220
Days on market
77 vs 33 typical
Where $210/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)
191 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 80% 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 5022 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 · Aug ’25$630,000
4950 CHASE COURT
4 bd · 3 ba · 3,166 sqft · $199/sqft · 36 DOM
Sold · Jul ’25$560,000
4905 OLIVIA COURT
5 bd · 3 ba · 3,166 sqft · $177/sqft · 47 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5022 DOWN COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5022 DOWN COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
5022 DOWN COURT FAQs
What would the monthly payment be for 5022 DOWN COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,884/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 5022 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 5022 DOWN COURT?+
The most recent tax bill on record (2025) was $9,293. 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 5022 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 $665,000, this home is listed about 56% 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 5022 DOWN 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.
The brief
Four things that matter here
01Positioned at the premium end
$665,000 runs 80% above the ST CLOUD 34772 median — but at 3,166 sqft it's also 60% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
77 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 $675,000, now $665,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MILA REALTY · Stewar Tavarez. MLS #S5149266.
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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