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Overview

4 bd3 ba2,308 sqft2 car garageSingle Family
TypeSingle Family
HOA$166/mo
Built2023
Lot5,227 sqft
Living area2,308 sqft
Price / sqft$199
Garage2 car

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

About this home

Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSmart HomeSplit BedroomStone CountersThermostat

1021 Silverbell Trl is a 2023-built home in Prairie Oaks, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,308 square feet of living space. Listed at $459,900 (about $199/sqft), 51 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $166 monthly.

From the listing

Virtually Staged. MOTIVATED SELLER + PRICE IMPROVEMENT + NO CDD + LIKE-NEW, MOVE-IN READY HOME! This meticulously maintained property offers 2,308 SF, 4 bedrooms, 2.5 baths, concrete-block construction on BOTH stories, and extensive upgrades already completed. The bright open-concept main level features modern gray ceramic tile flooring, a modern kitchen with a large granite island, granite countertops, and stainless-steel appliances INCLUDED. Sliding doors open to a covered lanai and fully fenced backyard, creating a move-in-ready indoor/outdoor space from day one. Upstairs, all 4 bedrooms are conveniently located together, including a spacious primary suite with private bath and walk-in closet, plus a second full bath and upstairs laundry with washer and dryer included. VALUE YOU CAN SEE: whole-house salt-free water filtration, vinyl privacy fence, rain gutters, front and rear irrigation, upgraded marble-stone landscaping, blinds throughout, termite treatment, ADT security with exterior cameras and door/window sensors, smart-home features with mobile/Alexa control, and Wi-Fi extenders for enhanced coverage. NEED PARKING? The rear paver driveway can accommodate up to approximately 6 vehicles, PLUS 2 additional vehicles inside the attached two-car garage. The HOA includes 1-Gig high-speed internet, plus access to the community pool, playground, walking trails and lakes. LOCATION MATTERS. Minutes to the growing Sunbridge and approximately 15 minutes to Lake Nona, with convenient access to Narcoossee Rd, SR-417, SR-528, Orlando International Airport, Medical City, shopping, dining, healthcare and entertainment. EDUCATION ADDS TO THE LOCATION. This address is currently assigned to Voyager K-8 and Nova Lakes High School, the new Sunbridge-area high school opened for the 2026–2027 school year. COMPARING NEW CONSTRUCTION? LOOK BEYOND THE BASE PRICE. Here, many of the improvements buyers often add after closing are already done—PLUS NO CDD. LIKE-NEW CONDITION. NO CDD. EXTENSIVE UPGRADES. 1-GIG INTERNET INCLUDED WITH HOA. EXCEPTIONAL PARKING. SUNBRIDGE & LAKE NONA ACCESS. MOTIVATED SELLER. The upgrades are done, the home is move-in ready, and your next chapter could start here. Schedule your private showing today! Buyer to independently verify school assignments, CDD/HOA information, measurements, parking capacity and other information important to Buyer. School assignments are subject to change.

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The essentials

Built
2023
Price / sqft
$199
On market
51 days
Annual tax
$5,541
HOA
$166/mo
Flood zone
X · Low risk
Lot
5,227 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
Driveway
5,227 sqft lot
Lot size
2,308 sqft
Living area

Payment

Est. monthly payment
$3,257/mo
Down payment (20%)
$91,980
Property taxes
$462/mo
HOA
$166/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,227 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Faces Rear, Off Street, On Street, Open
Days on Market
51
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Smart Home
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Private Yard
Rain Gutters
Sidewalk
Sprinkler Metered
Community Mailbox
Deed Restrictions
Dog Park
Playground
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Filtration System
Water Softener
Elementary
VOYAGER K-8
Middle
VOYAGER K-8

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,541
Parcel #
22-25-31-4751-0001-2480

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
5,227 sqft
HOA
$166/mo
Jorge Miranda

Price history

Date
Event
Price
10/2/2026
Price change
Source: Stellar MLS #O6434414
$459,900-2.1%
$199/sqft
-
Price change
Source: Stellar MLS #O6434414
$469,900-2.1%
$204/sqft
8/21/2026
Listed for sale
Source: Stellar MLS #O6434414
$479,900
$208/sqft

Neighborhood

1021 Silverbell Trl
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $459,900
$457,500 – $459,900
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 51 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.

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Calculator

Est. monthly payment
$3,256/mo
Principal & interest$2,399
Property taxes$462
Insurance$230
HOA$166
Down payment20% · $91,980
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 includes any condo dues 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

$459,900

$199 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,308 sq ft

Time on market

51 days

Year built

2023

Monthly payment

About $3,257/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,541 annual tax bill, insurance, and the $166/mo HOA fee.

HOA fee

$166/mo

Managed by Jorge Miranda.

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 byTHE VALENZUELA REAL ESTATE GROListing agent: Xiomy SosaListing data from Stellar MLS, MLS# O6434414.

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