4922 Tortoise Trail, FL4922 Tortoise Trail, FL4922 Tortoise Trail, FL
Stellar MLS
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$470,000

4922 Tortoise TrailSt Cloud, FL 34771

Listing updated: October 21, 2026 at 6:02 PM ET

Active
Stellar MLSListing courtesy of Preferred Real Estate Brokers · Monica Vega Stiskin, LLC · MLS #O6450670 · Active · 407-440-4900
3
Beds
2
Baths
2,323
Sq Ft
0.15
Acres
2014
Built
◆$202/sqft◆360° tour
Single Family Residence

Property type

2014

Year built

6,750 sqft

Lot size

$202

Price / sq ft

$93/mo

HOA dues

4

Days on market

x

Flood zone

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!

Estimated monthly payment

Principal & interest$2,377
Property taxes$341
Home insurance (est.)$215
HOA dues$93

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history4 days on market

  1. Status: Active
    Oct 17, 2026
  2. Listed$470,000
    Oct 17, 2026

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
4
Subdivision
Turtle Creek
County
Osceola
Year built
2014
Living area
2,323 sq ft
Price/sq ft
$202
Building area
3,140 sq ft (Public Records)
Lot size
6,750 sq ft
Lot category
0 to less than 1/4
Flood zone
x
Annual taxes
$4,097 (2025)
Parcel #
312531084200012730
Zoning
RESI
MLS #
O6450670

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Luxury Vinyl, Tile
Appliances
Convection Oven, Dishwasher, Disposal, Microwave, Refrigerator
Interior features
Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s), Window Treatments
Laundry
Laundry Closet
Stories / Levels
One
Direction faces
South

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
0
Attached garage
Yes

HOA & Financial

HOA fee
$93 / Monthly
Monthly HOA
$93/mo
Total monthly fees
$93/mo
Total annual fees
$1,114
HOA name
Artemis Lifestyles
CDD
No
Homestead exemption
Yes
Min lease term
8-12 Months
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Please confirm with HOA for lease restrictions

Exterior & Construction

Exterior features
Private Yard, Sidewalk
Construction materials
Block
Roof
Shingle
Foundation
Slab
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Electricity Connected, Public, Sewer Connected, Water Connected

Community

Pets allowed
Yes

Schools

ElementaryLakeview Elem (K 5)GreatSchools ↗
MiddleNarcoossee MiddleGreatSchools ↗
High SchoolNova Lakes High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Family Room14x17
Kitchen15x18
Primary Bedroom14x18

Listing Details

Listing date
2026-10-17
On market date
2026-10-17
Original list price
$470,000
Occupant type
Owner
MLS area
34771 - St Cloud (Magnolia Square)
Listing AOR
Orlando Regional
Status changed
2026-10-17
Tax legal description
TURTLE CREEK PH 1B PB 19 PG 189-191 LOT 273

Flood risk

Minimal riskFEMA Zone X

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From 192, head north on Narcoossee Rd, then turn left into the Turtle Creek Community on Tortoise Trail, then turn left on Alligator St and right on Tortoise Trail. The property will be on the left. Please use GPS for accurate driving directions.

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Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of October 21, 2026 at 6:02 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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