5040 BESSIE COURT, ST CLOUD, FL, 34772
Active65 days on marketListed Jun 1, 2026MLS #S5150775
About this home
5040 BESSIE COURT
CANAL HOME BUILT IN 2022 WITH ACCESS TO THE ALLIGATOR CHAIN-OF-LAKES, BOAT HOUSE & DOCK BUILT IN 2024!! Plank tile flooring in all living areas & the office, BRAND NEW CARPET IN THE BEDROOMS.....high ceilings, beautiful GLASS front door, OPEN FLOOR PLAN, & a gorgeous Kitchen. Welcoming Island, tile backsplash, quartz counters, pull-out drawers, FARMHOUSE SINK, DOUBLE OVEN, & an oversized Samsung Fridge (dishwasher, microwave, cook-top will stay also). SOLAR SUPPLIES THE WHOLE HOME WITH POWER.....IT WILL BE PAID AT CLOSING SO BUYER INHERITS FREE AND CLEAR!! In the Living Room there is a "floating" TV console that adds a modern feel, the TV itself will stay, & sliding glass door lead to the screened-in back patio. The Owner's Suite overlooks the canal, has a large walk-in closet, & sports a private bath.....dual sinks, a soaker tub, tiled shower, & an electric fireplace sets the mood with a fire show (& heat during cold days). STEP OUT & INDULGE IN MY FAVORITE PART......THE WATERFRONT DOCK & BOATHOUSE!! Made of COMPOSITE boards, equipped with POWER, LIGHTS, & WATER.......a fan, METAL ROOF, floor lights, BOAT LIFT, & a separate electrical panel. Cast the fishing pole straight from your backyard!!.....enjoy the gorgeous sunsets, lower the boat, utilize the COMMUNITY BOAT LIFT, get dropped into Alligator Lake, & the chain is yours!! NO WATER MAINTENANCE BUT THE BENEFITS OF WATERFRONT LIVING......NO FLOOD INSURANCE IS NEEDED EITHER. 2-Car Garage is equipped with a LEVEL TWO CAR CHARGER, shelving, a SMART opener, & a THERMAL EXPANSION WATER HEATER. Banana trees, Bismarck palms, & NEW ROCK IN THE LANDSCAPE BED!! Hanover Lakes has a STUNNING community pool, playground, soccer field, green space, sidewalks, & boardwalk. Reach Melbourne Beach within 49+ mi, Lake Nona within 17+ mi, the OIA within 20+ mi, downtown St. Cloud within 6+ mi, & the famous attractions within 30+ mi. Location is SUPERB, condition is FANTASTIC, & the water views are SPECTACULAR!! Come see why 5040 Bessie Court needs to be yours.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,910
Sqft
0.13 ac
Lot size
2
Garage
2022
Year built
One
Levels
$243
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.
$3,716 /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
$3,716/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
+9.5%
$/sqft vs St Cloud actives
$243 vs $219
Days on market
65 vs 43 typical
Where $243/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 → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
210 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 24% 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 5040 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 · Sep ’25$383,500
5052 BLANCHARD COURT · same community
3 bd · 2 ba · 1,747 sqft · $220/sqft · 131 DOM
Sold · Mar ’26$724,000
5038 TIBET COURT · same community
5 bd · 3 ba · 3,198 sqft · $226/sqft · 8 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5040 BESSIE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5040 BESSIE COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
5040 BESSIE COURT FAQs
What would the monthly payment be for 5040 BESSIE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,716/mo — principal and interest, the actual property-tax bill, the $108/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 5040 BESSIE COURT?+
The association fee works out to $108 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5040 BESSIE COURT?+
The most recent tax bill on record (2025) was $6,055. 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 5040 BESSIE 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 $465,000, this home is listed about 8% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5040 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
$465,000 runs 24% above the ST CLOUD 34772 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $500,000, now $465,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Jennifer Davis, PA. MLS #S5150775.
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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