
469 SILVERBELL TRAIL, ST CLOUD, FL, 34771
Active141 days on marketListed Mar 5, 2026MLS #O6387499
About this home
469 SILVERBELL TRAIL
Rarely does a home check every box the way 469 Silverbell Trail does. This is your chance to own a like-new home in The Crossings at Saint Cloud on a premium lot the builder simply cannot recreate. Built just six months ago and still under builder warranty, this highly sought-after Capri by Highland Homes delivers all the benefits of new construction—without the wait, hidden upgrade costs, or months of construction happening next door. And then there’s the setting. Directly across from the community’s resort-style amenities, you have open green space and no front neighbors—just peaceful views and glowing Florida sunsets from your covered front porch. Imagine evening walks to the pool, spontaneous trips down the waterslide, weekend pickleball matches, kids meeting friends at the shaded playground, or a quick game on the soccer field—all just steps from your front door. Life here feels connected, active, and easy. Inside, the Capri’s thoughtful two-story design feels bright, open, and welcoming from the moment you step through the foyer. The flexible front den overlooks the front yard and offers incredible versatility—perfect as a home office, media room, fitness space, or even a 4th bedroom thanks to its large walk-in closet. Whether you work from home or simply want a quiet retreat, this space adapts to your life. The heart of the home is the open-concept living area where kitchen, dining, and gathering spaces flow seamlessly together. Quartz countertops, white 42” shaker cabinetry, stainless steel appliances, a spacious island, and a walk-in pantry create a kitchen that feels both stylish and functional. It’s the kind of space where friends linger, homework gets done at the island, and holidays naturally unfold. Upstairs, a versatile loft becomes whatever you need it to be—a study nook, reading retreat, play area, or secondary lounge. The primary bedroom is generously sized and thoughtfully designed, featuring a large walk-in wardrobe and a private en-suite bath with dual vanities and a tiled shower. Bedrooms two and three share a smartly designed Jack-and-Jill bath with individual vanities and a private tub and toilet area—ideal for smooth, stress-free mornings. An upstairs laundry room keeps everything convenient and efficient. Luxury vinyl plank flooring runs throughout the main living areas, baths, and laundry room, combining beauty with durability, while stain-resistant carpet adds comfort in the bedrooms. Smart home technology, in-wall pest control, irrigation system, energy-efficient insulation and windows, architectural shingles, custom-fit blinds, and a rear-entry two-car garage with drop zone all add layers of comfort and practicality. The Crossings is ideally located off Jones Road near Narcoossee Road, offering quick access to Lake Nona, Orlando International Airport, Florida’s Turnpike, and SR 417—all within a highly regarded school district. You’re close to everything yet tucked into a neighborhood that feels thoughtfully planned and community oriented. The builder is still selling—but not this lot, not this view, and not at this value. Here, you can move in immediately, enjoy a premium location, avoid additional upgrade expenses, and still benefit from remaining builder warranty coverage. Some homes are simply structures. Others feel like the start of something special. 469 Silverbell Trail is ready to welcome you home.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,107
Sqft
0.08 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$185
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.
$2,984 /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
$2,984/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
−10.1%
$/sqft vs THE CROSSINGS PH 2
$185 vs $213
Days on market
141 vs 33 typical
Where $185/sqft sits among the 8 homes for sale in THE CROSSINGS PH 2
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
3 of 8
THE CROSSINGS PH 2 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 469 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$393,007
509 SILVERBELL TRAIL · same community
3 bd · 2.5 ba · 2,100 sqft · $187/sqft · 122 DOM
Sold · Jun ’26$398,025
557 SILVERBELL TRAIL · same community
4 bd · 2.5 ba · 2,066 sqft · $193/sqft · 20 DOM
Sold · Feb ’26$394,720
519 WINDY WILLOW WAY · same community
4 bd · 2.5 ba · 2,066 sqft · $191/sqft · 56 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
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 469 SILVERBELL TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 469 SILVERBELL TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
469 SILVERBELL TRAIL FAQs
What would the monthly payment be for 469 SILVERBELL TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,984/mo — principal and interest, the actual property-tax bill, the $10/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 469 SILVERBELL TRAIL?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 469 SILVERBELL TRAIL?+
The most recent tax bill on record (2025) was $4,150. 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 469 SILVERBELL TRAIL?+
The listing reports pets: Number Limit, 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 $390,000, this home is listed about 8% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 469 SILVERBELL TRAIL?+
Lakeview 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.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$390,000 is 8% below the ST CLOUD 34771 median of $425,000, and at $185/sqft it sits under the St Cloud average of $236.
02Park/Greenbelt & Pool views
The park/greenbelt and pool view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
141 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of UPWELL REALTY LLC · Kyle Madorin PA. MLS #O6387499.
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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