1274 SILO DRIVE, ST CLOUD, FL, 34771
Active4 days on marketListed Sep 16, 2026MLS #S5157312
About this home
1274 SILO DRIVE
SPECIAL FINANCING INCENTIVES MAY BE AVAILABLE THROUGH THE SELLER’S PREFERRED LENDERS — AN INCREDIBLE OPPORTUNITY TO MAKE THIS BEAUTIFUL, MOVE-IN-READY HOME EVEN MORE ATTRACTIVE! Welcome to 1274 Silo Drive, St. Cloud, where modern elegance meets everyday comfort. Built in 2023 by Dream Finders Homes, this stunning Ana Maria floor plan with bonus room offers 4 bedrooms, 4 bathrooms, and 2,683 square feet of thoughtfully designed living space. A corporate relocation is the sole reason for the sale, presenting an exceptional opportunity to own this meticulously maintained and upgraded home. From the moment you arrive, you'll appreciate the fresh curb appeal, enhanced by new landscaping, while the freshly painted interior creates a bright, clean, and inviting atmosphere throughout. At the heart of the home is a gorgeous chef’s kitchen, featuring quartz countertops, designer tile backsplash, built-in wall oven and microwave, glass cooktop with vented hood, and a breakfast bar with pendant lighting. The open-concept design seamlessly connects the kitchen, dining, and living spaces, creating the perfect setting for everyday living and entertaining. The spacious owner’s retreat provides a private sanctuary, complete with two walk-in closets featuring custom shelving for exceptional organization and functionality. Three additional bedrooms and two full bathrooms are thoughtfully arranged in a three-way split floor plan, providing privacy and flexibility for family, guests, or a home office. Upstairs, the impressive bonus room offers even more versatility and includes a full private bathroom and walk-in closet—perfect for a guest suite, media room, home office, or additional living space. Enjoy Florida outdoor living from the screen-enclosed covered patio, complete with an extended paver area ideal for your grill and entertaining. Additional upgrades include custom window shutters throughout, upgraded lighting, custom closet shelving in all closets, ceiling fans in all bedrooms, the bonus room and family room, and exterior gutters. Located in the desirable Prairie Oaks community, nestled near the Narcoossee/Lake Nona area, residents enjoy a beautiful natural setting along with resort-style amenities including a community pool, playground, and dedicated dog park. Even better, the low monthly HOA dues include fiber-optic internet. Beautifully upgraded, meticulously maintained, and truly move-in ready—this 2023-built home offers the space, style, and location you've been looking for, with the added potential benefit of special financing incentives through the seller’s preferred lenders. Don't miss this exceptional opportunity!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,683
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$179
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.
$3,897 /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
$3,897/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
−17.5%
$/sqft vs PRAIRIE OAKS
$179 vs $204
Days on market
4 vs 47 typical
Where $179/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)
8 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 17% 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 1274 SILO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$470,000
5749 WALLIS LANE · same community
4 bd · 3 ba · 2,534 sqft · $185/sqft · 48 DOM
Sold · Nov ’25$595,000
5789 TIMBER MEADOW WAY · same community
5 bd · 3.5 ba · 3,220 sqft · $185/sqft · 259 DOM
Sold · Dec ’25$458,000
1554 OUTBACK ROAD W · same community
4 bd · 2 ba · 2,110 sqft · $217/sqft · 353 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1274 SILO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1274 SILO DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1274 SILO DRIVE FAQs
What would the monthly payment be for 1274 SILO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,897/mo — principal and interest, the actual property-tax bill, the $160/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 1274 SILO DRIVE?+
The association fee works out to $160 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1274 SILO DRIVE?+
The most recent tax bill on record (2025) was $6,463. 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 1274 SILO DRIVE?+
The listing reports pets: Yes. 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 $480,000, this home is listed about 12% 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 1274 SILO DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$480,000 runs 17% above the ST CLOUD 34771 median — but at 2,683 sqft it's also 35% larger than the typical St Cloud listing.
02Fresh on the market
Only 4 days on market in a St Cloud market that averages 47 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Tammy Blanchard. MLS #S5157312.
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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