
5012 BESSIE COURT, ST CLOUD, FL, 34772
Active1 days on marketListed Aug 10, 2026MLS #O6430705
About this home
5012 BESSIE COURT
Welcome home! This waterfront property boasts 5 bedrooms and 3.5 bathrooms - the perfect large family or multigenerational home - with direct connection to the Alligator Chain of Lakes through the community boat lift for a luxurious lakefront lifestyle that places relaxing, boating, and fishing fun right at your doorstep. Modern finishes, smart home features, and a prime location on a quiet dead-end street position it as an ideal retreat for those seeking the lakefront lifestyle. The open family room and chef's kitchen anchor the home's interior, with a large island, breakfast bar seating, quartz waterfall countertop, stainless steel appliances, self-cleaning double wall oven, farm sink, pantry closet, and 42-inch upper cabinets providing serious cooking capabilities for all occasions, with a quaint canal view. Smart features add a layer of 21st-century functionality to this home, with the garage door, thermostats, Eufy security system, and double wall oven being Wi-Fi connected and controllable whether you are home or away. Although these seem like small things, the little things make such a difference when life never seems to slow down. The app for the oven is the seller’s personal favorite because you can set the temperature ahead of time, so it is ready as soon as you walk in. The features don’t stop there. Recessed lighting illuminates the main areas, where cohesive and durable tile creates visual continuity from the entry foyer to the family room. The cohesiveness continues throughout the home, with all bedrooms featuring plush carpet, offering warmth and comfort in the private quarters, while all bathrooms include matching quartz countertops that perfectly complement the kitchen. Whether it is a morning coffee, a lazy Sunday, or quality time, the relaxing canal view can be enjoyed from the screened patio, family room, or even your bed in the primary suite. Air-conditioned storage is another plus of this home, with several large closets throughout, including some that are hidden away. Beyond the property itself, the community of Hanover Lakes features an array of thoughtful amenities. First off, there is a community boat ramp and lift to the Alligator Chain of Lakes, making the need for a private dock optional. Secondly, there is a community pool with a small waterpark that has two slides, a covered patio with plenty of tables and chairs, a shaded playground, and a multipurpose field adjacent to the pool, perfect for all kinds of fun under the sun. The pool, playground, and patio sit behind a security gate that can be opened via an app, keeping the area secure and making it the perfect setting for the whole family to enjoy. Next to the boat lift, there is also a covered fishing dock that provides both a relaxing place to fish and view the calming waters of Alligator Lake. For daily needs, Publix and Winn-Dixie are minutes away, while Royal St. Cloud Golf Links is just around the corner for golf enthusiasts. Lakefront Park is also nearby with waterfront dining and outdoor recreation, including a beach area, walking/riding trails, splash pad, playground, and a public boat ramp providing access to additional boating, fishing, and water recreation on the East Lake Toho Chain of Lakes. St. Cloud Medical Center is conveniently located for medical needs, and proximity to the FL Turnpike ensures smooth regional connectivity. Do not miss your chance to experience this waterfront lifestyle firsthand. Schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,652
Sqft
0.16 ac
Lot size
3
Garage
2023
Year built
Two
Levels
$221
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.
$3,929 /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
$3,929/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
+7.5%
$/sqft vs St Cloud actives
$221 vs $218
Days on market
1 vs 45 typical
Where $221/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 → $392K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
231 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 54% 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 5012 BESSIE COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$724,000
5038 TIBET COURT · same community
5 bd · 3 ba · 3,198 sqft · $226/sqft · 8 DOM
Sold · Sep ’25$383,500
5052 BLANCHARD COURT · same community
3 bd · 2 ba · 1,747 sqft · $220/sqft · 131 DOM
Sold · Dec ’25$630,000
5001 CENTER COURT · same community
6 bd · 4.5 ba · 3,855 sqft · $163/sqft · 60 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
Ryland Lock
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5012 BESSIE COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5012 BESSIE COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ryland's phone and CRM.
Straight answers
5012 BESSIE COURT FAQs
What would the monthly payment be for 5012 BESSIE COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,929/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 5012 BESSIE 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 5012 BESSIE COURT?+
The most recent tax bill on record (2025) was $3,370. 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 5012 BESSIE 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 $585,000, this home is listed about 36% above the St Cloud median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5012 BESSIE 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
Three things that matter here
01Positioned at the premium end
$585,000 runs 54% above the ST CLOUD 34772 median — but at 2,652 sqft it's also 33% larger than 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 1 day on market in a St Cloud market that averages 45 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTY · Joseph Doher. MLS #O6430705.
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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