CENTURY 21 Edge
$414,5003 bd2 ba2,009 sqft$206 /sqft≈$3,402 /mo all-in ↓

1497 SOFTSHELL STREET, ST CLOUD, FL, 34771

Active5 days on marketListed Oct 5, 2026MLS #S5157997

Single Family ResidenceTURTLE CREEK PH 1B

Come see it

Upcoming open house

Sun, Oct 11

12:00 AM – 4:00 PM

About this home

1497 SOFTSHELL STREET

THIS IS THE ONE YOU’VE BEEN WAITING FOR! Beautifully positioned in the desirable Turtle Creek community of St. Cloud, 1497 Softshell Street delivers the space, style, and Florida lifestyle buyers are looking for—without sacrificing comfort or functionality. From its striking curb appeal and inviting architectural elevation to the expansive backyard and thoughtfully designed interior, this beautifully maintained home makes an unforgettable first impression and an even better place to call home. From the moment you arrive, the elevated exterior welcomes you with attractive stucco architecture, a covered entry, lush landscaping, and an impressive paver driveway leading to the attached two-car garage. The home’s curb appeal is complemented by the peaceful, established feel of Turtle Creek, creating a setting that feels both polished and welcoming. Step inside to more than 2,000 square feet of beautifully designed single-story living. The open-concept layout creates an effortless flow between the spacious living, dining, and kitchen areas—perfect for everything from busy family mornings to entertaining friends and hosting holidays. At the heart of the home, the well-appointed kitchen features solid wood cabinetry, stone countertops, a generous island, stainless-steel appliances, and abundant storage. The open design allows the kitchen to remain connected to the main living space, making it a true gathering place rather than simply a place to prepare meals. The split-bedroom floor plan offers privacy and versatility, with a spacious primary suite thoughtfully separated from the secondary bedrooms. The primary retreat features a walk-in closet and ensuite bath with dual vanities, while the additional bedrooms provide plenty of flexibility for family, guests, a home office, or hobbies. Throughout the home, thoughtful details enhance both comfort and convenience, including ceramic tile flooring in the main living areas, a separate laundry room, whole-home water softener, in-wall pest control system, security system, insulated windows, and ample storage. And then there’s the backyard—a true extension of the home. Step through to the covered rear porch and discover a spacious outdoor setting with room to create the backyard you’ve always envisioned. Whether your dream is weekend barbecues, an outdoor dining area, a play space, a pool, a garden, or simply a place to unwind after a long day, this generous backyard provides the canvas to make it your own. Turtle Creek adds another layer of appeal with its welcoming community atmosphere, sidewalks, green spaces, scenic lakes, walking trails, community pool, playground, and dog park. And with convenient access to Lake Nona, Medical City, Orlando International Airport, major highways, shopping, dining, and all that Central Florida has to offer, this location puts everyday convenience right where you want it. Beautifully appointed. Thoughtfully designed. Exceptionally positioned. 1497 Softshell Street isn’t simply a house—it’s an opportunity to step into a lifestyle that offers space to live, room to grow, and a place you’ll be proud to call home. Come see why this Turtle Creek gem deserves a place at the top of your list!!!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,009

Sqft

0.14 ac

Lot size

2

Garage

2015

Year built

One

Levels

$206

Per sqft

Pets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesCooktop · Dishwasher · Microwave · Refrigerator
InteriorCeiling Fan(s)
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesWest
ExteriorPrivate Mailbox · Sidewalk

Community & fees

HOA fee$93/mo
Taxes (2025)$6,312/yr
PetsYes
CommunityPlayground · Pool

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer 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.

$3,402 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,440
FHA mortgage insurance (est.)$183
Property tax — 2025 actual bill$526
HOA fee — from the listing$93
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,508Loan30-yr fixed at 6%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% · $14,508
Interest rate6.00%
Loan term

Estimated payment

$3,402/mo

Principal & interest$2,440
FHA mortgage insurance (est.)$183
Property taxes (actual bill)$526
HOA / condo fee$93
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.

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 $415K
$336KedgeAI estimate $369,801 · range $350K–$387K$431K

vs edgeAI estimate

+12.1%

$/sqft vs St Cloud actives

$206 vs $211

Days on market

5 vs 65 typical

Where $206/sqft sits among the 399 St Cloud actives

104
135 · this home
85
32
18
25
$151–187$187–222$222–258$258–294$294–329$329+

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)≈ 34 min
Universal Orlando≈ 37 min
Walt Disney World≈ 38 min
Downtown Orlando≈ 38 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

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

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 — 4.6 months of inventoryBuyer’s market

$412K → $399K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

225 of 399

St Cloud actives have cut their price

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

Paper trail

This home's history

Oct 5, 2026Listed at $414,500 · 5 days on market since
2015Built · TURTLE CREEK PH 1B

Reality check

What actually sold near 1497 SOFTSHELL STREET

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

1540 SOFTSHELL STREETSold · Oct ’25

$462,000

1540 SOFTSHELL STREET · same community

4 bd · 3 ba · 2,575 sqft · $179/sqft · 139 DOM

1493 REFLECTION COVESold · Aug ’26

$479,000

1493 REFLECTION COVE · same community

4 bd · 2.5 ba · 2,685 sqft · $178/sqft · 77 DOM

1507 ALLIGATOR STREETSold · Nov ’25

$440,000

1507 ALLIGATOR STREET · same community

4 bd · 3 ba · 2,776 sqft · $159/sqft · 16 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 1497 SOFTSHELL STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1497 SOFTSHELL STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

1497 SOFTSHELL STREET FAQs

What would the monthly payment be for 1497 SOFTSHELL STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,402/mo — principal and interest, the actual property-tax bill, the $93/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 1497 SOFTSHELL STREET?+

The association fee works out to $93 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1497 SOFTSHELL STREET?+

The most recent tax bill on record (2025) was $6,312. 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 1497 SOFTSHELL STREET?+

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 $414,500, this home is listed about 3% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1497 SOFTSHELL STREET?+

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.

Listing courtesy of EXP REALTY LLC · Laura Mcadams. MLS #S5157997.

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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