1304 SILO DRIVE, ST CLOUD, FL, 34771
Active63 days on marketListed May 22, 2026MLS #O6409050
About this home
1304 SILO DRIVE
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.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,531
Sqft
0.14 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$200
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.
$3,657 /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
$3,657/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
+7.8%
$/sqft vs PRAIRIE OAKS
$200 vs $228
Days on market
63 vs 33 typical
Where $200/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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
4 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 19% 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 1304 SILO DRIVE
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$470,000
5749 WALLIS LANE · same community
4 bd · 3 ba · 2,534 sqft · $185/sqft · 48 DOM
Sold · Feb ’26$400,000
2612 Cheyenne Road, Sebring FL 33872 · same community
4 bd · 2.5 ba · 2,272 sqft · $176/sqft · 152 DOM
Sold · Dec ’25$458,000
1554 OUTBACK ROAD W · same community
4 bd · 2 ba · 2,110 sqft · $217/sqft · 353 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1304 SILO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1304 SILO DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Elizabeth's phone and CRM.
Straight answers
1304 SILO DRIVE FAQs
What would the monthly payment be for 1304 SILO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,657/mo — principal and interest, the actual property-tax bill, the $155/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 1304 SILO DRIVE?+
The association fee works out to $155 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1304 SILO DRIVE?+
The most recent tax bill on record (2025) was $1,752. 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 1304 SILO DRIVE?+
The listing reports pets: Breed Restrictions. 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 $505,000, this home is listed about 19% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1304 SILO DRIVE?+
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 EXP REALTY LLC · Benny Oliveri. MLS #O6409050.
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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