4925 TORTOISE TRAIL, ST CLOUD, FL, 34771
Active29 days on marketListed Jun 24, 2026MLS #O6418711
About this home
4925 TORTOISE TRAIL
PRICE IMPROVEMENT!!|FORMER BUILDER MODEL HOME | RESORT-STYLE POOL | 5 BEDROOMS | LOW HOA | NO CDD Welcome to this stunning former Rochester builder model home in the highly desirable Turtle Creek community. Offering over 3,400 square feet of beautifully upgraded living space, this 5-bedroom, 3.5-bath residence combines elegant design, exceptional craftsmanship, and an unbeatable location. Recent improvements include a brand-new roof (2025), while designer features such as crown molding, custom wainscoting, decorative woodwork, built-in shelving, a lighted entertainment center, quartz countertops, glass-front cabinetry, and an oversized kitchen island showcase the home's model-quality finishes throughout. Designed with both comfort and functionality in mind, the spacious floor plan features a first-floor primary suite with dual walk-in closets, a dedicated office/flex room, formal dining room, formal living room, family room, and a large upstairs loft that provides additional living and entertainment space. The first-floor laundry room and convenient garage-entry landing zone add everyday practicality. Step outside to your private backyard retreat, where Florida living takes center stage. The screened heated saltwater pool features a beautiful pebble finish, beach-entry design, fountains, bubblers, and a stunning palm island centerpiece. Covered front and rear porches, a brick paver driveway, and an expansive brick paver pool deck create the perfect setting for relaxing or entertaining year-round. One of the most unique features of this home is its premium location with no front neighbors and peaceful park views directly across the street. Enjoy added privacy, nearby guest parking, and easy access to community events and activities. Turtle Creek residents enjoy low HOA fees, no CDD fees, a community pool, playground, walking trails, and recreation fields. Conveniently located near Lake Nona, Medical City, Orlando International Airport, shopping, dining, and major highways and a short drive to the Space Coast and Beaches!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,426
Sqft
0.14 ac
Lot size
2
Garage
2013
Year built
Two
Levels
$162
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.
$4,376 /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
$4,376/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
−15%
$/sqft vs St Cloud actives
$162 vs $221
Days on market
29 vs 33 typical
Where $162/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)
194 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 30% 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 4925 TORTOISE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$528,000
1545 CATERPILLAR STREET · same community
4 bd · 3.5 ba · 3,528 sqft · $150/sqft · 70 DOM
Sold · Feb ’26$480,000
1505 CATERPILLAR STREET · same community
4 bd · 3.5 ba · 3,024 sqft · $159/sqft · 126 DOM
Sold · Nov ’25$440,000
1507 ALLIGATOR STREET · same community
4 bd · 3 ba · 2,776 sqft · $159/sqft · 16 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
Jonathan Santos
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 4925 TORTOISE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4925 TORTOISE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Jonathan's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4925 TORTOISE TRAIL FAQs
What would the monthly payment be for 4925 TORTOISE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,376/mo — principal and interest, the actual property-tax bill, the $93/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 4925 TORTOISE TRAIL?+
The association fee works out to $93 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4925 TORTOISE TRAIL?+
The most recent tax bill on record (2025) was $7,321. 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 4925 TORTOISE TRAIL?+
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 $555,000, this home is listed about 31% 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 4925 TORTOISE TRAIL?+
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
Three things that matter here
01Positioned at the premium end
$555,000 runs 30% above the ST CLOUD 34771 median — but at 3,426 sqft it's also 73% larger than 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.
03The price has already moved
Listed at $579,000, now $555,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GILLISPIE TEAM REAL ESTATE BUY AND DESIGN LLC · Chris Gillispie. MLS #O6418711.
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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