65 photos in the listing
4922 Tortoise Trail
St Cloud, FL 34771 · Osceola County
$470,000
3
Beds
2
Baths
2,323
Sq ft
2014
Year built
Location
About this home
YOUR NEXT FINISH LINE AWAITS IN TURTLE CREEK! Discover the perfect blend of comfort, style, and versatility in this beautifully maintained, move-in-ready home located in the desirable Turtle Creek community of St. Cloud, Florida! Offering over 2,323 square feet of heated living space, this spacious 3 bedroom, 2 bathroom residence also features a dedicated den and separate formal dining room, providing endless possibilities to fit your lifestyle. From the moment you arrive, you'll appreciate the charming covered front porch, inviting curb appeal, and the added privacy of NO FRONT NEIGHBORS! Step inside to a freshly painted interior featuring beautiful ceramic tile flooring throughout the main living areas and luxury vinyl flooring in the bedrooms, combining elegance with easy maintenance. The open concept layout creates a seamless flow between the living, dining, and kitchen areas, making it ideal for both everyday living and entertaining. The kitchen features gorgeous granite countertops, stainless steel appliances, and ample space to prepare your favorite meals while staying connected with family and guests. NEED ROOM TO SHIFT GEARS? The versatile den and separate formal dining room offer the flexibility to create a home office, fitness room, playroom, hobby space, or additional entertainment area. Whether you're working from home or simply looking for extra space, this home offers options to suit your needs. Retreat to the spacious primary suite, complete with TWO WALK-IN CLOSETS offering generous storage space and a private en-suite bathroom featuring dual vanities, a separate walk in shower, and a relaxing garden style soaking tub. Two additional bedrooms provide comfortable accommodations for family or guests. The thoughtfully designed second bathroom also features dual sinks and a separate room for the toilet and bathtub, providing added privacy and convenience when multiple people are getting ready. Step outside to your own private backyard retreat! The spacious, fully fenced backyard and screened in patio provide the perfect setting for morning coffee, weekend gatherings, outdoor dining, or simply enjoying Florida's beautiful weather. Additional highlights include a 2 car garage equipped with a smart garage door opener and built-in camera, plenty of guest parking, a covered front porch, and NO CDD FEES! ENJOY THE TURTLE CREEK LIFESTYLE! Beyond your front door, discover a welcoming community offering TWO swimming pools, a playground, a dog park, neighborhood sidewalks, scenic lakeside walking trails, and beautiful green spaces ideal for outdoor recreation and community events. Whether you enjoy an evening stroll, spending time outdoors with your four-legged companion, or gathering with neighbors, Turtle Creek offers wonderful opportunities to enjoy the Florida lifestyle. Conveniently located near shopping, dining, schools, major roadways, and the growing Lake Nona area, this home offers the perfect balance of neighborhood charm and accessibility to Central Florida's many attractions. MOTIVATED SELLER! With generous living spaces, desirable features, added privacy, ample guest parking, fantastic community amenities, and a convenient location, this home is ready for its next chapter. DON'T LET THIS ONE RACE PAST YOU! Schedule your private showing today and make this beautiful Turtle Creek home your next FINISH LINE!
Facts & features
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Living area
- 2,323 sq ft
- Flooring
- Luxury Vinyl, Tile
- Appliances
- Convection Oven, Dishwasher, Disposal, Microwave, Refrigerator
- Features
- Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s), Window Treatments
- Cooling
- Central Air
- Heating
- Central, Electric
Exterior & lot
- Lot size
- 0.15 acres
- Construction
- Block
- Roof
- Shingle
- Features
- Private Yard, Sidewalk
Financial
- Price / sqft
- $202/sqft
- Annual tax
- $4,097
- Tax year
- 2025
- HOA fee
- $92.82
- HOA billed
- Monthly
Utilities
- Utilities
- Electricity Connected, Public, Sewer Connected, Water Connected
- Water
- Public
- Sewer
- Public Sewer
Property
- Property type
- Single Family
- Year built
- 2014
- Subdivision
- Turtle Creek
- Days on market
- 3 days
Estimate your monthly cost
Twenty percent down over thirty years at 6.5%. Insurance is not included.
- Principal & interest
- $2,377
- Property tax
- $341
- HOA dues
- $93
- Estimated monthly
- $2,811
Ask about this property
Answered from this listing’s own figures and the sales around it.
Similar homes nearby
Price history
From the property’s MLS record.
| Date | Event | Price | Change |
|---|---|---|---|
| Oct 17, 2026 | Listed | $470,000 | — |
Neighbourhood
The schools below come from the MLS record for this home. Walking, transit and cycling figures for St Cloud, FL are not connected yet, so this page does not show them.
About this area
ST CLOUD, FL sits in Osceola County. Asking prices on the 8 nearest homes we hold run from $407,000 to $574,000, with $474,500 in the middle. Those are asking prices, not closed sales. The MLS record names Lakeview Elem (K 5) (elementary), Narcoossee Middle (middle), Nova Lakes High School (high) as the assigned schools.
Written from this listing’s own record and the homes we hold nearby.
- Elementary school
- Lakeview Elem (K 5)
- Assigned school from the MLS record
- Middle school
- Narcoossee Middle
- Assigned school from the MLS record
- High school
- Nova Lakes High School
- Assigned school from the MLS record
Frequently asked questions
What would 4922 TORTOISE TRAIL, ST CLOUD cost per month?
About $2,811 a month: $2,377 principal and interest, $341 property tax, $93 HOA. That assumes 20% down at 6.5% over 30 years, and leaves out insurance.
Is 4922 TORTOISE TRAIL, ST CLOUD priced fairly?
Comparable homes nearby put it between $442,880 and $509,550, with $476,215 in the middle. Those are asking prices, not closed sales: 8 properties of the same type within three miles, each within 20% of this one's size and a bedroom either way, at a median of $205 a square foot.
How does 4922 TORTOISE TRAIL, ST CLOUD compare to nearby homes?
8 comparable properties within three miles. The nearest: 1543 CATERPILLAR STREET, ST CLOUD, FL at $425,000, 2,009 sq ft, 0.05 miles away; 1529 ALLIGATOR STREET, ST CLOUD, FL at $574,000, 2,776 sq ft, 0.08 miles away; 1553 CATERPILLAR STREET, ST CLOUD, FL at $449,000, 2,082 sq ft, 0.11 miles away.
How long has 4922 TORTOISE TRAIL, ST CLOUD been on the market?
2 days on the market.
Has the price of 4922 TORTOISE TRAIL, ST CLOUD changed?
The price has not moved since it was listed.
How big is 4922 TORTOISE TRAIL, ST CLOUD?
3 bed, 2 bath, 2,323 square feet. That is $202 a square foot.
What year was 4922 TORTOISE TRAIL, ST CLOUD built?
Built in 2014.
What is the HOA fee at 4922 TORTOISE TRAIL, ST CLOUD?
The association fee works out to $93 a month.
What are the property taxes at 4922 TORTOISE TRAIL, ST CLOUD?
Property tax works out to about $341 a month, $4,097 a year, on the 2025 assessment.
Is 4922 TORTOISE TRAIL, ST CLOUD still available?
It is still on the market.
Listing
- Listed by
- Monica Vega Stiskin, LLC
- Brokerage
- PREFERRED REAL ESTATE BROKERS
- MLS number
- MFR814367834
Listing information is deemed reliable but is not guaranteed.