
1021 SILVERBELL TRAIL, ST CLOUD, FL, 34771
Active30 days on marketListed Aug 21, 2026MLS #O6434414
About this home
1021 SILVERBELL TRAIL
Virtually Staged. NO CDD + PRICE IMPROVEMENT + 2023 HOME + EXTENSIVE UPGRADES + MINUTES TO SUNBRIDGE & LAKE NONA! WHY WAIT FOR NEW CONSTRUCTION—AND THEN SPEND THOUSANDS MORE AFTER CLOSING? This move-in-ready North St. Cloud home offers 2,308 SF, 4 bedrooms, 2.5 baths and concrete-block construction on BOTH stories, with valuable upgrades already completed—WITHOUT A CDD. NO CDD = ONE LESS RECURRING ASSESSMENT TO BUDGET FOR YEAR AFTER YEAR. While many newer communities in the surrounding area may include annual CDD assessments, this home has NO CDD—an important advantage when comparing the ongoing costs of homeownership. LOCATION MAKES IT EVEN BETTER. Enjoy quick access to the growing Sunbridge corridor and approximately 15 minutes to Lake Nona, home to Orlando's renowned Medical City, healthcare, dining, shopping, grocery stores, recreation and entertainment. Narcoossee Rd, SR-417 and SR-528 provide convenient connections to Orlando International Airport and Central Florida. EDUCATION ADDS TO THE LOCATION. This address is currently assigned to Voyager K-8 and Nova Lakes High School, the new Sunbridge-area high school opened for the 2026–2027 school year, adding another consideration for buyers who value access to newer educational facilities. STEP INSIDE AND IMAGINE YOURSELF HERE. The bright open-concept kitchen, dining and living area is ready for everyday moments and memorable gatherings, featuring a large granite island and stainless-steel appliances. Open the slider to the covered lanai and fully fenced backyard—already finished and ready to enjoy. Upstairs, retreat to the spacious primary suite with large private bath and walk-in closet, plus 3 additional bedrooms, a second full bath and upstairs laundry with washer and dryer included. NEED PARKING? THIS HOME DELIVERS: approximately six vehicles on the rear paver driveway PLUS a two-car garage. UPGRADES ARE ALREADY DONE: whole-house salt-free water filtration, vinyl privacy fence, rain gutters, front/rear irrigation, upgraded marble-stone landscaping, termite treatment, ADT security with exterior cameras and door/window sensors, smart-home features with mobile/Alexa control, and Wi-Fi extenders throughout the home for enhanced coverage. The HOA includes 1-Gig high-speed internet, plus community pool, playground, walking trails and lakes. NEWER HOME. UPGRADES DONE. NO CDD. GREAT LOCATION. READY FOR NEW MEMORIES. Instead of waiting for a new build and paying for improvements after closing, come experience what this 2023 home already offers. Pictures can show you the house—but walking through it lets you imagine the life you could create here. Come see if 1021 Silverbell Trail is where your next chapter begins. Schedule your private showing today! Buyer to independently verify school assignments, CDD/HOA information, measurements, parking capacity and other information important to Buyer; school assignments are subject to change.
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
$204
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.
$3,762 /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
$3,762/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
+3.3%
$/sqft vs PRAIRIE OAKS
$204 vs $203
Days on market
30 vs 47 typical
Where $204/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
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
$412K → $394K
St Cloud median sold, yr/yr
98.4%
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 15% 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 6%, the all-in payment lands around $3,762/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 $469,900, this home is listed about 10% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1021 SILVERBELL TRAIL?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$469,900 runs 15% above the ST CLOUD 34771 median — but at 2,308 sqft it's also 16% 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.
03Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $479,900, now $469,900 — a $10K 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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