
1021 SILVERBELL TRAIL, ST CLOUD, FL, 34771
Active78 days on marketListed Aug 21, 2026MLS #O6434414
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
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.
$4,039 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,039/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.
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.
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
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud 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
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.
Sold · Dec ’25$458,000
1554 OUTBACK ROAD W · same community
4 bd · 2 ba · 2,110 sqft · $217/sqft · 353 DOM
Sold · Mar ’26$470,000
5749 WALLIS LANE · same community
4 bd · 3 ba · 2,534 sqft · $185/sqft · 48 DOM
Sold · 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.
Your agent
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1021 SILVERBELL TRAIL — start here.

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.
Keep looking
Similar homes nearby
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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