1103 Silo Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1103 Silo Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,021 sqft · built 2023
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on File
Last Sale	$611,108 (Mar 2023)
Tax Bill	$7,087 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-25-31-4751-0001-0800`

Property Details

APN / Parcel Number

Primary APN	`22-25-31-4751-0001-0800`
Alternative APN	`253122475100010800`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,021 sqft Living Area
Gross Area	3,690 sqft
1st Floor Area	2,045 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1103 SILO DR
City	SAINT CLOUD
State	FL
Zip	34771-7671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE OAKS PB 31 PGS 166-172 LOT 80
Legal Subdivision	PRAIRIE OAKS
Legal Lot Number	80
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43700

Owner

Source: Osceola County records · APN 22-25-31-4751-0001-0800

Assessment roll updated November 26, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1103 SILO DR, SAINT CLOUD, FL 34771-7671
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Deed Document Number	202336748
Deed Book / Page	6379 / 2381
Record Updated	Jun 08, 2026

March 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2023
Property Address	1103 SILO DR, SAINT CLOUD, FL 34771-7671
Document Number	0063792381
Book / Page	6379 / 2381
Map Reference	MB 31 PG 166-172
Instrument Date	Mar 30, 2023
Instrument	2023036748
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,278.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 SILO DR, SAINT CLOUD, FL 34771-7671

Mortgage

Document Number	0063792383
Date	Mar 31, 2023
Instrument	6379/2383

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2038

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,087.00 (-5.95%) Homeowner's exemption	$501,000 (+568%) Land $75,000 Building $426,000	$501,000 (+568%) Land $75,000 Building $426,000
2024	$7,535.00 (+351.47%)
2023	$1,669.00 (+241.31%)	$75,000 (+114.29%) Land $75,000	$75,000 (+114.29%) Land $75,000
2022	$489.00	$35,000 Land $35,000	$35,000 Land $35,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Boston Omaha, Hotwire Communications, Xfinity.

Based on FCC filings for 255 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.