
1497 SOFTSHELL STREET, ST CLOUD, FL, 34771
Active5 days on marketListed Oct 5, 2026MLS #S5157997
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
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.
$3,402 /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
$3,402/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
+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
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 → $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
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.
Sold · Oct ’25$462,000
1540 SOFTSHELL STREET · same community
4 bd · 3 ba · 2,575 sqft · $179/sqft · 139 DOM
Sold · Aug ’26$479,000
1493 REFLECTION COVE · same community
4 bd · 2.5 ba · 2,685 sqft · $178/sqft · 77 DOM
Sold · 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.
Your agent
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 1497 SOFTSHELL STREET — start here.

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.
Keep looking
Similar homes nearby
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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