5088 HARTWELL COURT, ST CLOUD, FL, 34771
Active86 days on marketListed May 7, 2026MLS #O6405441
About this home
5088 HARTWELL COURT
Virtually Staged. Welcome to refined Florida living in the sought-after Lakeshore at Narcoossee community. Perfectly positioned in one of Saint Cloud’s fastest-growing corridors, this beautifully maintained residence offers the ideal blend of comfort, style, and convenience. From the moment you arrive, the inviting curb appeal, mature landscaping, and thoughtfully designed exterior create a warm first impression that immediately feels like home. Inside, the home offers an airy and functional layout designed for both everyday living and effortless entertaining. Natural light pours throughout the living spaces, while the seamless flow between gathering areas creates a welcoming atmosphere perfect for relaxing or hosting guests. The outdoor areas provide the perfect setting to enjoy Florida’s year-round sunshine, morning coffee, or peaceful evenings at home. Adding even more value and efficiency, the property includes fully owned solar panels, offering long-term energy savings without the expense of a lease or financing assumption. Located just minutes from Lake Nona, Medical City, Orlando International Airport (MCO), major highways, shopping, dining, and everyday conveniences, this location continues to attract attention for its exceptional accessibility and exciting growth surrounding the Narcoossee corridor. Residents will also enjoy close proximity to the highly anticipated Nona West lifestyle destination coming soon, bringing even more shopping, dining, and entertainment options to the area. With continued expansion and new development nearby, this community continues to shine as one of Central Florida’s most desirable places to call home. Whether you are searching for your primary residence, a seasonal retreat, or simply a home that combines location and lifestyle, this property presents an incredible opportunity to enjoy the best of Saint Cloud living.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,209
Sqft
0.17 ac
Lot size
3
Garage
2015
Year built
Two
Levels
$185
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.
$5,507 /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
$5,507/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
−29%
$/sqft vs St Cloud actives
$185 vs $219
Days on market
86 vs 33 typical
Where $185/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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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)
214 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 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5088 HARTWELL COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$740,000
2618 MEAD AVENUE · same community
6 bd · 4.5 ba · 4,209 sqft · $176/sqft · 27 DOM
Sold · Aug ’25$816,250
2613 MEAD AVENUE · same community
5 bd · 4.5 ba · 4,305 sqft · $190/sqft · 65 DOM
Sold · May ’26$575,000
5071 HARTWELL COURT · same community
4 bd · 3.5 ba · 2,745 sqft · $209/sqft · 3 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5088 HARTWELL COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5088 HARTWELL COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
5088 HARTWELL COURT FAQs
What would the monthly payment be for 5088 HARTWELL COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,507/mo — principal and interest, the actual property-tax bill, the $163/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 5088 HARTWELL COURT?+
The association fee works out to $163 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5088 HARTWELL COURT?+
The most recent tax bill on record (2025) was $8,190. 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 5088 HARTWELL 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 $779,990, this home is listed about 84% 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 5088 HARTWELL COURT?+
Lakeview Elementary School (elementary), Narcoossee 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
$779,990 runs 80% above the ST CLOUD 34771 median — but at 4,209 sqft it's also nearly twice the size of 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
86 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 $849,000, now $779,990 — a $69K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Paula Chavez. MLS #O6405441.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 5088 HARTWELL COURT but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →