Osceola County property record for 2790 Silverthorne Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,232 sqft · built 1987 |
| Lot Size | 4.85 acres (211,571 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,328 (2025) |
| Deeds & Mortgages | Sep 2024 Mortgage Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 86239 |
| Primary APN | 86239 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,232 sqft Total Area |
| 1st Floor Area | 864 sqft |
| Upper Floors Area | 780 sqft |
| Attic Area | 576 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Unfinished |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Modular |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 211,571 sqft (4.85 acres) |
| Garage Type | Detached - Finished |
| Garage Area | 2,212 sqft |
| Parking Spaces | 15 Parking Spaces |
| Porch | Porch |
| Porch Area | 660 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|
| Account Number | 86239 |
|---|---|
| Street Address | 2790 SILVERTHORNE TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Description | S L & I C PB B PG 7 LOT 19 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | KISSIMMEE PARK |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 19 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records · APN 86239
Assessment roll updated 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2790 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2024 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Sep 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 20, 2017 |
| Deed Sale | Jul 20, 2017 |
| Deed Document Number | 0066671815 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2790 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2790 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833 |
| Document Number | 0066671817 |
|---|---|
| Date | Sep 19, 2024 |
| Book Page | 6667/1817 |
| Instrument | 2024120939 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2790 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833 |
| Document Number | 0055970207 |
| Instrument Date | Sep 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2790 SILVERTHORNE TRL ST CLOUD FL 347727833, ST CLOUD, FL 34772-7833 |
| Document Number | 0055970207 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 005597/000207 |
| Instrument | 125667 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 26, 2044 |
Source: Osceola County records · Assessment roll updated 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 and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,328.00 (+8.83%) Homeowner's exemption Widower's exemption | $255,349 (+5.99%) | $522,300 (+0.91%) Land $242,800 Building $279,500 |
| 2023 | $3,977.00 (+3.22%) Homeowner's exemption Widower's exemption | $240,926 (+3%) | $517,600 (+41.3%) Land $242,800 Building $274,800 |
| 2022 | $3,853.00 Homeowner's exemption Widower's exemption | $233,909 | $366,300 Land $136,000 Building $230,300 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 136 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 136 in force |
| Nearby Flood Claims | 4 (2011–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | High above 81% of the US · above 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Spectrum.
Based on FCC filings for 18 locations within half a mile of this property.
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 |
| 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.
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