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$449,500

4900 LOTTA CT
ST CLOUD, FL 34772
Listed by MARKET CONNECT REALTY LLC
Bedrooms
3
Bathrooms
2
Living area
1,957 sqft
Year built
2021

About this home

Welcome to lake-connected living in the highly sought-after Hanover Lakes community, where modern design meets an unbeatable waterfront lifestyle. Built in 2021, this beautifully maintained single-story home offers nearly 2,000 square feet of thoughtfully designed living space with 3 bedrooms and 2 bathrooms, perfectly positioned on a canal with direct access to the Alligator Chain of Lakes. Step inside to an open, light-filled layout featuring durable ceramic tile throughout the main living areas, a seamless living and dining combination, and sliding glass doors that invite indoor-outdoor living. The kitchen is both functional and stylish, offering ample workspace and modern appliances, ideal for everyday living or entertaining guests. The spacious primary suite is tucked away for privacy and includes a walk-in closet and a comfortable ensuite bath, creating a true retreat at the end of the day. Outside, enjoy the freedom of a private yard and the rare opportunity to live in a community with boat slip access, sidewalks, and a well-maintained neighborhood atmosphere. With a two-car garage, public utilities, low monthly HOA, CDD already in place, and convenient access to major roadways, shopping, dining, and everyday essentials, this home delivers the perfect balance of comfort, location, and lifestyle. Whether you’re drawn to the newer construction, the water access, or the easy one-level living, this home stands out as an exceptional opportunity in St. Cloud’s growing lakefront corridor.

Property details

MLS #
MFRO6374765
Property type
Single Family Residence
Subdivision
HANOVER LAKES PH 3
Status
Active
Days on market
118
On market date
January 29, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.13 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
HICKORY TREE ELEMENTARY SCHOOL
1.89 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
676
Student:teacher ratio
16.5:1
District
OSCEOLA
Middle
ST. CLOUD MIDDLE SCHOOL
2.99 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,188
Student:teacher ratio
16.1:1
District
OSCEOLA
High
ST. CLOUD HIGH SCHOOL
3.15 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,069
Student:teacher ratio
20.7:1
District
OSCEOLA

Walkability

Blended score for ST CLOUD's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

18
Very car-dependent
out of 100
EPA National Walkability Index
6.0 / 20 -- Below average walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in ST CLOUD, from live MLS data.

On the market 118 days -- 5 more days than ST CLOUD's current average of 113 days.
For reference, the median list price across 1,870 active listings in ST CLOUD right now is $375,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,857/mo
$89,900 down
$359,600 loan
Principal & interest$2,332
Property tax (est.)$375
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated May 27, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.