Osceola County property record for 1196 Silverbell Trl, Saint Cloud, FL 34771 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,720 sqft · built 2023 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $403,990 (Oct 2023) |
| Tax Bill | $4,979 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Jul 2022 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 22-25-31-4751-0001-1930 |
| Primary APN | 22-25-31-4751-0001-1930 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,720 sqft Living Area |
| Gross Area | 2,245 sqft |
| 1st Floor Area | 1,720 sqft |
| Flooring | Carpet |
| 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 | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 105 sqft |
| Heating System | HVAC |
|---|
| Street Address | 1196 SILVERBELL TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE OAKS PB 31 PGS 166-172 LOT 193 |
| Legal Subdivision | PRAIRIE OAKS |
| Legal Lot Number | 193 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 43700 |
Source: Osceola County records · APN 22-25-31-4751-0001-1930
Assessment roll updated November 26, 2025 · Last verified June 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 | 1196 SILVERBELL TRL, SAINT CLOUD, FL 34771-7814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 02, 2023 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Jul 13, 2022 | Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 02, 2023 · Amount on Record |
| Deed Sale | Oct 02, 2023 · Amount on Record |
| Deed Document Number | 2023129301 |
| Deed Book / Page | 6483 / 226 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 02, 2023 |
| Property Address | 1196 SILVERBELL TRL, SAINT CLOUD, FL 34771-7814 |
| Document Number | 0064830226 |
| Book / Page | 6483 / 226 |
| Map Reference | MB 31 PG 166-172 |
| Instrument Date | Sep 28, 2023 |
| Instrument | 2023129301 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,828.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Address | 1196 SILVERBELL TRL, SAINT CLOUD, FL 34771-7814 |
| Document Number | 0006483229 |
|---|---|
| Date | Oct 02, 2023 |
| Instrument | 6483/229 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2022 |
| Property Address | 1196 SILVERBELL TRL, SAINT CLOUD, FL 34771-7814 |
| Document Number | 0062502966 |
| Book / Page | 6250 / 2966 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022108483 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $66,920.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016 |
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,979.00 (+2.01%) | $348,800 (+365.07%) Land $75,000 Building $273,800 | $348,800 (+365.07%) Land $75,000 Building $273,800 |
| 2024 | $4,881.00 (+366.19%) | ||
| 2023 | $1,047.00 (+114.11%) | $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 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | High above 86% of the US · above 78% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 97 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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