Osceola County property record for 1298 Silo Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,524 sqft · built 2024 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $629,900 (Aug 2024) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Aug 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 222531475100010630 |
| Primary APN | 222531475100010630 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,524 sqft Heated Area |
| Gross Area | 3,206 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1298 SILO DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE OAKS PB 31 PGS 166-172 LOT 63 |
| Legal Lot Number | 63 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 43700 |
Source: Osceola County assessment roll, APN 222531475100010630, as of July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1298 SILO DR, SAINT CLOUD, FL 34771-7670 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 02, 2025 | Deed of Trust, Mortgage · VA Mortgage LEND A LOAN LLC |
| Aug 05, 2024 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage WHITNEY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 05, 2024 · Amount on Record |
| Deed Sale | Aug 05, 2024 · Amount on Record |
| Deed Document Number | 2024100974 |
| Deed Book / Page | 6644 / 1984 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1298 SILO DR, SAINT CLOUD, FL 34771-7670 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1298 SILO DR, SAINT CLOUD, FL 34771-7670 |
| Document Number | 0068130474 |
|---|---|
| Date | Jul 02, 2025 |
| Book Page | 6813/474 |
| Instrument | 2025082742 |
| Name | LEND A LOAN LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT CLOUD, FL 34771 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 01, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 05, 2024 |
| Property Address | 1298 SILO DR, SAINT CLOUD, FL 34771-7670 |
| Document Number | 0066441984 |
| Book / Page | 6644 / 1984 |
| Map Reference | MB 31 PG 166-172 |
| Instrument Date | Jul 26, 2024 |
| Instrument | 2024100974 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | HILLSBOROUGH TITLE III LLC, HILLSBOROUGH TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,409.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3160 S FALKENBURG RD, RIVERVIEW, FL 33578-2541 |
| Name | Verified Name |
|---|---|
| Address | 1298 SILO DR, SAINT CLOUD, FL 34771-7670 |
| Document Number | 2024100977 |
|---|---|
| Date | Aug 05, 2024 |
| Instrument | 2024100977 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2054 |
Source: Osceola County assessment roll as of July 1, 2025 · Last verified December 2025
| 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 | $712.00 (-32%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $444,100 (+492.13%) Land $75,000 Building $369,100 | $444,100 (+492.13%) Land $75,000 Building $369,100 |
| 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), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| 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 |
|
| 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.
Source: FCC Broadband Data Collection, 255 locations within half a mile, 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.
Source: EPA Safe Drinking Water Information System, water system FL3494429, 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 |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures