4932 OLIVIA COURT, ST CLOUD, FL, 34772
Active22 days on marketListed Jul 1, 2026MLS #O6421553
About this home
4932 OLIVIA COURT
Space, comfort, value, and a beautiful water-view setting come together at 4932 Olivia Ct in Saint Cloud. Built in 2020, this impressive 5-bedroom, 3-bathroom home features 3,166 square feet of thoughtfully designed living space, giving you the room you need without sacrificing comfort or functionality. From the moment you enter, the open layout creates an inviting feel with spacious gathering areas, abundant natural light, and flexible rooms that can easily fit today’s lifestyle. The kitchen, dining, and living areas flow together beautifully, making the home ideal for entertaining, relaxing, or everyday living. With five bedrooms and three full bathrooms, there is plenty of space for guests, a home office, media room, fitness area, or multi-generational living needs. The generous primary suite provides a private retreat, while the additional bedrooms provide comfort and flexibility throughout the home. Step outside and enjoy peaceful water views from the backyard, with the waterway connected to a natural lake, creating a relaxing backdrop for morning coffee, evening sunsets, or outdoor gatherings. The property may present potential for a future dock, subject to HOA, county, and applicable environmental approvals. Buyer and buyer’s agent are responsible for verifying all water access, dock feasibility, restrictions, permits, and approvals. Conveniently located near Lake Nona Medical City, Orlando International Airport, major roads, shopping, dining, and Central Florida attractions. If you are looking for a newer, spacious home with excellent value, a flexible layout, and a desirable water-view setting, this one deserves to be at the top of your list.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,166
Sqft
0.16 ac
Lot size
3
Garage
2020
Year built
One
Levels
$174
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.
$4,663 /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
$4,663/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
+0.2%
$/sqft vs St Cloud actives
$174 vs $221
Days on market
22 vs 33 typical
Where $174/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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
192 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 49% 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 4932 OLIVIA COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$454,686
2940 NOTTEL DRIVE · same community
4 bd · 3.5 ba · 2,580 sqft · $176/sqft · 120 DOM
Sold · Sep ’25$470,000
3077 NOTTEL DRIVE · same community
4 bd · 2.5 ba · 2,580 sqft · $182/sqft · 91 DOM
Sold · Aug ’25$630,000
4950 CHASE COURT
4 bd · 3 ba · 3,166 sqft · $199/sqft · 36 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 4932 OLIVIA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4932 OLIVIA 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
4932 OLIVIA COURT FAQs
What would the monthly payment be for 4932 OLIVIA COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,663/mo — principal and interest, the actual property-tax bill, the $135/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 4932 OLIVIA COURT?+
The association fee works out to $135 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4932 OLIVIA COURT?+
The most recent tax bill on record (2025) was $10,639. 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 4932 OLIVIA COURT?+
The listing reports pets: Cats OK, Dogs OK. 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 $550,000, this home is listed about 29% 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 4932 OLIVIA 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.
Keep looking
Similar homes nearby
Listing courtesy of AAA GLOBAL VENTURES PA · Qinghe Meng. MLS #O6421553.
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 4932 OLIVIA 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 →