CENTURY 21 Edge
$444,900$479,9004 bd2.5 ba2,308 sqft$193 /sqft≈$4,039 /mo all-in ↓

1021 SILVERBELL TRAIL, ST CLOUD, FL, 34771

Active78 days on marketListed Aug 21, 2026MLS #O6434414

✦ Reduced $35KSingle Family ResidencePRAIRIE OAKS

About this home

1021 SILVERBELL TRAIL

Virtually Staged. PRICE IMPROVEMENT! MOVE-IN READY! NO CDD! OVER $15,000 IN UPGRADES ALREADY DONE! Imagine finding a home where the improvements are completed, the backyard is fenced, the appliances are included, and your next chapter can begin without a long list of projects after closing. Welcome to Prairie Oaks, where this beautifully maintained, freshly painted 2023 home combines modern comfort, thoughtful upgrades, and an exceptional location near Sunbridge and Lake Nona! WHY SETTLE FOR A BASE PRICE WHEN YOU CAN ENJOY MORE FROM DAY ONE? Featuring 2,308 SF of living space, 4 bedrooms, 2.5 baths, a 5,227 SF lot, and CONCRETE-BLOCK CONSTRUCTION ON BOTH STORIES, this home was designed for comfortable everyday living. Step inside and imagine mornings around the spacious granite kitchen island, evenings gathered in the bright living and dining areas, and weekends enjoying your private backyard. The open-concept main level features modern gray ceramic tile flooring, tall kitchen cabinetry, granite countertops, and INCLUDED stainless-steel appliances. Sliding glass doors lead to a covered lanai and fully fenced backyard, creating a welcoming extension of your living space. Upstairs, all 4 bedrooms are conveniently located together, including a primary suite with private bathroom and walk-in closet, a second full bath, and a laundry room with WHIRLPOOL WASHER & DRYER INCLUDED. Additional bedrooms provide flexible spaces for guests, a study area, or personal needs. THE UPGRADES ARE ALREADY DONE! Enjoy whole-home salt-free water filtration, a vinyl privacy fence, full rain gutters, FRONT & REAR IRRIGATION, decorative marble-stone landscaping, termite protection, ADT security features with front and driveway cameras, smart-home technology, Wi-Fi extenders, and fresh paint. These are valuable improvements many buyers would otherwise need to arrange after purchasing. MORE SPACE FOR PARKING! An attached 2-car garage PLUS an extended rear paver driveway provides parking for approximately 6 additional vehicles, depending on vehicle size and community restrictions. MORE CONVENIENCE, NO CDD! Your HOA includes 1-GIG high-speed internet, along with access to the community swimming pool, playground, and walking trails. LOCATION THAT ADDS TO YOUR LIFESTYLE! Just approximately 5 minutes from the growing Sunbridge community and 15 minutes from Lake Nona Medical City, this home provides convenient access to Narcoossee Road, SR-417, SR-528, Orlando International Airport, shopping, restaurants, healthcare, and major employment centers. Enjoy being close to two of Central Florida's expanding destinations while coming home to a thoughtfully upgraded property in Prairie Oaks. COMPARING NEW CONSTRUCTION? LOOK BEYOND THE BASE PRICE! Consider the value of improvements already completed, included appliances, community amenities, and NO CDD. Here, the privacy fence is installed, the irrigation is ready, the filtration system is in place, and the home is waiting for its next owner. THE UPGRADES ARE DONE. THE HOME IS MOVE-IN READY. THE POSSIBILITIES ARE YOURS! Discover the comfort, convenience, and value of 1021 Silverbell Trail. Schedule your private showing today! Buyer to independently verify school assignments, measurements, HOA/CDD information, parking capacity, included equipment, and all details important to Buyer.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,308

Sqft

0.12 ac

Lot size

2

Garage

2023

Year built

Two

Levels

$193

Per sqft

Trees/Woods view

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Filtration System · Water Softener
InteriorEating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewTrees/Woods
FacesEast
ParkingGarage Faces Rear · Driveway · Open · On Street · Off Street
ExteriorIrrigation System · Rain Gutters · Sidewalk · Sliding Doors · Sprinkler Metered · Private Yard

Community & fees

HOA fee$166/mo
Taxes (2025)$5,541/yr
PetsCats OK, Dogs OK
CommunityDeed Restrictions · Playground · Pool · Sidewalks · Community Mailbox · Dog Park

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Public · Sewer Connected · Sprinkler Meter · Water Connected
WaterPublic

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.

$4,039 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,054
FHA mortgage insurance (est.)$197
Property tax — 2025 actual bill$462
HOA fee — from the listing$166
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,572Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,572
Interest rate7.50%
Loan term

Estimated payment

$4,039/mo

Principal & interest$3,054
FHA mortgage insurance (est.)$197
Property taxes (actual bill)$462
HOA / condo fee$166
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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.

List $445K
$357KedgeAI estimate $403,920 · range $372K–$432K$463K

vs edgeAI estimate

+10.1%

$/sqft vs PRAIRIE OAKS

$193 vs $196

Days on market

78 vs 53 typical

Where $193/sqft sits among the 10 homes for sale in PRAIRIE OAKS

3 · this home
4
0
1
1
1
$177–193$193–210$210–226$226–243$243–259$259+

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

Orlando Int’l Airport (MCO)≈ 39 min
Downtown Orlando≈ 44 min
Walt Disney World≈ 49 min
Universal Orlando≈ 50 min

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

35,257

Median age

39.5

Median income

$97,415

Median home value

$454,400

Avg household

3.05

Households w/ children

4,899

For the school run

Osceola County School District

ElementaryNarcoossee Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketLeans seller — 4.1 months of inventoryBuyer’s market

$411K → $385K

St Cloud median sold, yr/yr

98.6%

Sale-to-list ratio (12 mo)

7 of 10

PRAIRIE OAKS have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 10% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $444,900 ▼ $35K
Aug 21, 2026Listed at $479,900 · 78 days on market since
2023Built · PRAIRIE OAKS

Reality check

What actually sold near 1021 SILVERBELL TRAIL

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1554 OUTBACK ROAD WSold · Dec ’25

$458,000

1554 OUTBACK ROAD W · same community

4 bd · 2 ba · 2,110 sqft · $217/sqft · 353 DOM

5749 WALLIS LANESold · Mar ’26

$470,000

5749 WALLIS LANE · same community

4 bd · 3 ba · 2,534 sqft · $185/sqft · 48 DOM

5793 TIMBER MEADOW WAYSold · Feb ’26

$493,950

5793 TIMBER MEADOW WAY · same community

4 bd · 2 ba · 2,014 sqft · $245/sqft · 192 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.

Angela Rodriguez

Your agent

Angela Rodriguez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1021 SILVERBELL TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1021 SILVERBELL TRAIL — before you fall in love.

See it in person

Schedule a tour

Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1021 SILVERBELL TRAIL FAQs

What would the monthly payment be for 1021 SILVERBELL TRAIL?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,039/mo — principal and interest, the actual property-tax bill, the $166/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 1021 SILVERBELL TRAIL?+

The association fee works out to $166 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1021 SILVERBELL TRAIL?+

The most recent tax bill on record (2025) was $5,541. 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 1021 SILVERBELL 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 $444,900, this home is listed about 5% above the St Cloud median of $422,990. The market section on this page shows how the area is trending.

Which schools are assigned to 1021 SILVERBELL TRAIL?+

Narcoossee 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

$444,900 runs 10% above the ST CLOUD 34771 median — but at 2,308 sqft it's also 17% larger than the typical St Cloud listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03The price has already moved

Listed at $479,900, now $444,900 — a $35K cut. The full history is in the market section below.

Listing courtesy of THE VALENZUELA REAL ESTATE GROUP · Xiomy Sosa. MLS #O6434414.

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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