1172 SILVERBELL TRAIL, ST CLOUD, FL, 34771
Active9 days on marketListed Oct 1, 2026MLS #S5158717
About this home
1172 SILVERBELL TRAIL
Discover this DR Horton Campbell model at Prairie Oaks, a beautifully designed single-family residence with a serene water view perfectly tailored for modern living. This home, crafted with all concrete block construction, offers four bedrooms and two and a half bathrooms, promising ample space for your lifestyle. Step inside to a welcoming patio and an open-concept layout that seamlessly integrates the kitchen, living area, dining room, and outdoor lanai, ideal for both entertaining and everyday relaxation. The spacious kitchen island and generous pantry provide both style and functionality. Natural light pours through large windows and sliding glass doors, enhancing the dining area’s inviting atmosphere. The first floor includes a convenient powder room adjacent to the living area. Ascend to the second floor to find the primary bedroom featuring an en suite bathroom with a double vanity and a substantial walk-in closet. Three additional bedrooms, a full bathroom, and a laundry area complete the upper floor. This home is equipped with the "Home is Connected" smart home technology package, offering control via your smart device whether at home or away. Upgraded flooring throughout. Prairie Oaks enriches your lifestyle with amenities such as a dog park, playground, and community pool.
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
$195
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.
$3,696 /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
$3,696/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
+8.3%
$/sqft vs PRAIRIE OAKS
$195 vs $201
Days on market
9 vs 65 typical
Where $195/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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
6 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 8% 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 1172 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 · listing agent
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 1172 SILVERBELL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1172 SILVERBELL TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1172 SILVERBELL TRAIL FAQs
What would the monthly payment be for 1172 SILVERBELL TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,696/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 1172 SILVERBELL TRAIL?+
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 1172 SILVERBELL TRAIL?+
The most recent tax bill on record (2025) was $6,338. 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 1172 SILVERBELL TRAIL?+
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 $450,000, this home is listed about 5% 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 1172 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 EDGE. MLS #S5158717.
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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