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Overview

4 bd3 ba2,531 sqft2 car garageSingle Family
TypeSingle Family
HOA$155/mo
Built2025
Lot6,098 sqft
Living area2,531 sqft
Price / sqft$196
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Open FloorplanPrimarybedroom UpstairsSplit BedroomThermostatWalk-in Closet(s)SidewalkSliding DoorsSprinkler Metered

1304 Silo Dr is a 2025-built home in Prairie Oaks, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,531 square feet of living space. Listed at $495,000 (about $196/sqft), 143 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $155 monthly.

From the listing

Welcome to Prairie Oaks in St. Cloud, where peaceful living meets incredible convenience! This beautifully designed floor plan offers 4 bedrooms, 3 full bathrooms, and a spacious 2-car garage with a layout that perfectly blends functionality and style. From the moment you step inside, you’ll notice the bright open-concept design, modern finishes, and expansive living spaces that make this home ideal for both everyday living and entertaining. The stunning kitchen features white cabinetry, stainless steel appliances, a large center island, and plenty of counter space, all overlooking the main living and dining areas. The spacious primary suite offers a relaxing retreat with a large walk-in closet, dual vanities, and an oversized glass-enclosed shower. Upstairs living space provides additional flexibility for a loft/bonus room, office, or play area, while the generously sized secondary bedrooms provide comfort for family and guests alike. One of the highlights of this home is the spacious backyard setting, offering plenty of room to relax, entertain, or enjoy the Florida lifestyle outdoors. Residents of Prairie Oaks also enjoy access to a community pool, adding to the neighborhood’s relaxed and welcoming atmosphere. Located just minutes from Narcoossee Road, FL-417, the Florida Turnpike, Lake Nona, Orlando International Airport, shopping, restaurants, and hospitals, Prairie Oaks delivers exceptional connectivity while still offering more value than many nearby Lake Nona communities. This is an incredible opportunity to own a newer construction home in a growing area of St. Cloud known for its convenient access to Lake Nona and Orlando.

The essentials

Built
2025
Price / sqft
$196
On market
143 days
Annual tax
$1,752
HOA
$155/mo
Flood zone
X · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2025
2 car garage
6,098 sqft lot
Lot size
2,531 sqft
Living area
Brand new
Built 2025

Payment

Est. monthly payment
$3,131/mo
Down payment (20%)
$99,000
Property taxes
$146/mo
HOA
$155/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2025
Lot
6,098 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
143
Open Floorplan
Primarybedroom Upstairs
Split Bedroom
Thermostat
Walk-in Closet(s)
Sidewalk
Sliding Doors
Sprinkler Metered
Cooktop
Dishwasher
Disposal
Electric Water Heater
Microwave
Flood Zone X
Annual Tax (2025)
$1,752
Parcel #
22-25-31-4751-0001-0200

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Prairie Oaks
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
6,098 sqft
HOA
$155/mo
Empire Management

Price history

Date
Event
Price
7/30/2026
Price change
Source: Stellar MLS #O6409050
$495,000-2.0%
$196/sqft
-
Price change
Source: Stellar MLS #O6409050
$505,000-1.9%
$200/sqft
5/21/2026
Listed for sale
Source: Stellar MLS #O6409050
$515,000
$203/sqft

Neighborhood

1304 Silo Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $495,000
$492,500 – $495,000
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 474 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 143 after a $20,000 cut.

Sample: 474 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,130/mo
Principal & interest$2,582
Property taxes$146
Insurance$248
HOA$155
Down payment20% · $99,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$495,000

$196 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,531 sq ft

Time on market

143 days

Year built

2025

Monthly payment

About $3,131/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,752 annual tax bill, insurance, and the $155/mo HOA fee.

HOA fee

$155/mo

Managed by Empire Management.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Benny OliveriListing data from Stellar MLS, MLS# O6409050.

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