4922 Tortoise Trail, St Cloud, FL 34771
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
4922 Tortoise Trail in Turtle Creek Ph 1B, St Cloud is listed at $459,999 (2,323 sq ft, about $198 per sq ft). It has been listed Oct 20, 2026. Listing facts: built in 2014, HOA dues of $93/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 2014 · 12 yrs
- 2,323 sq ft of living area
- Garage
- Listed at $459,999 — recent neighborhood median sale price ~$500,000 (nearby sales; deemed reliable, not an appraisal)
- listed Oct 20, 2026
- HOA $93/mo (per listing)
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 tile flooring throughout the main living areas and realistic grain pattern plank tile 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!
All 71 photos
Description provided by PREFERRED REAL ESTATE BROKERS and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 6 comparable closed sales in TURTLE CREEK PH 1B (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 60 nearby closed sales.
Track record: across 2,804 recent closed sales we scored, the closed price landed inside the Messtimate range 64% of the time; median miss 8.9% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-10.
Actual list price: $459,999 ($198/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 20% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — this home carries HOA dues of $93/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 9 active listings competing
- ≈5.7 months of supply
- 12 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (6) + a local hedonic fit (60 sales); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 10, 2026.
Comparable recent sales
6 closed sales in TURTLE CREEK PH 1B in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $500,000 ($178/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,493/mo 79%
- Taxes $402/mo 13%
- Insurance $159/mo 5%
- HOA $93/mo 3%
$3,148/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 4922 Tortoise Trail
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| HOA dues | $93/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2014. An original roof is about 12 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Osceola County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Turtle Creek St Cloud market
How this home is priced against recent nearby sales, and where Turtle Creek St Cloud has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2014BuiltPer public record
- About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 19, 2026)
- Oct 19, 2026First seen on our siteObserved at $470,000
- Nov 8, 2026Price cut$459,999 (-$10,001, -2.1%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Momentum Property Score
61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟠 Seller-leaning conditions around this listing. 5.7 months of supply in the surrounding market and 21 days on market for this home, against a 32-day area median.Days on market:this home 21Area median: 32 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID. As of November 6, 2026.
🟡 Asking $198 per square foot, about 11% above the community’s $178 median. Turtle Creek St Cloud’s 12-month median sold price per square foot is $178. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 9 active listings in Turtle Creek St Cloud, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by PREFERRED REAL ESTATE BROKERS · MLS # O6450670
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Similar homes for sale near TURTLE CREEK PH 1B
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in TURTLE CREEK PH 1B
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More on TURTLE CREEK PH 1B
Go deeper on TURTLE CREEK PH 1B
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 34771 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 4922 Tortoise Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2014: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $93/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Osceola County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 2,323 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $4,830/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: November 13, 2026) |
| Comparable sales | Stellar MLS closed sales in TURTLE CREEK PH 1B, last 18 months, as of November 6, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 4922 Tortoise Trail and when was it built?
Per the listing record, 4922 Tortoise Trail was built in 2014 and has 2,323 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4922 Tortoise Trail in?
4922 Tortoise Trail is in Turtle Creek Ph 1B in St Cloud, Osceola County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4922 Tortoise Trail have an HOA, and how much are the dues?
The listing reports HOA dues of $93 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4922 Tortoise Trail differ from the current owner's?
The estimate on this page (about $4,830 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4922 Tortoise Trail in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.