445 SILVERBELL TRAIL, ST CLOUD, FL, 34771
Active11 days on marketListed Jul 29, 2026MLS #S5154668
About this home
445 SILVERBELL TRAIL
Available for lease, this beautifully appointed home offers 4 bedrooms, 2.5 bathrooms, and a thoughtfully designed two-story floor plan in a desirable St. Cloud community. The first floor features one bedroom and a half bathroom, providing a versatile space that can be used as a guest room, home office, or additional living area. Modern laminate flooring extends throughout the interior, creating a clean, cohesive, and low-maintenance finish. The open kitchen includes stainless steel appliances, abundant cabinetry, a spacious island, and a seamless connection to the living and dining areas. Upstairs, the spacious primary suite features an impressive custom wood walk-in closet system with built-in shelving, drawers, and generous storage. Two additional bedrooms share a practical Jack-and-Jill bathroom with separate vanities, offering added privacy and convenience. The home also showcases custom woodwork in the closets and laundry area, combining modern design, smart storage solutions, functionality, and an elegant finish. Situated on a premium corner lot directly across from the community amenity center, the property offers convenient access to the resort-style pool, playground, green spaces, picnic areas, walking paths, and scenic pond. Additional parking is available in front of the home for visitors. The property also includes a two-car garage, a driveway with space for two additional vehicles, and a welcoming front porch, ideal for relaxing and enjoying the Florida afternoons. Conveniently located just minutes from Lake Nona and near shopping, schools, dining, recreation, medical facilities, and major Central Florida roadways, this home offers an excellent combination of elegance, functionality, accessibility, and community living. This rental truly has it all. Schedule your private showing today and make 445 Silverbell Trail your next home! **Additional features:home water filtration system**.
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
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$180 /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
$180/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs St Cloud actives
$1 vs $219
Days on market
11 vs 43 typical
Where $1/sqft sits among the 400 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 → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
223 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% 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 445 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 · Mar ’26$393,370
494 WINDY WILLOW WAY · same community
4 bd · 2.5 ba · 2,066 sqft · $190/sqft · 0 DOM
Sold · Dec ’25$367,360
5827 FRESHWATER CANYON DRIVE · same community
3 bd · 2.5 ba · 1,923 sqft · $191/sqft · 0 DOM
Sold · Dec ’25$366,000
5813 FRESHWATER CANYON DRIVE · same community
3 bd · 2.5 ba · 1,923 sqft · $190/sqft · 0 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
Brittany Huey
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 445 SILVERBELL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 445 SILVERBELL TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Brittany's phone and CRM.
Straight answers
445 SILVERBELL TRAIL FAQs
What would the monthly payment be for 445 SILVERBELL TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $180/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 445 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 $2,800, this home is listed about 99% below the St Cloud median of $429,990. The market section on this page shows how the area is trending.
Which schools are assigned to 445 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.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY KISSIMMEE · Jose Aguilar Colina. MLS #S5154668.
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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