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2796 Silverthorne Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2796 Silverthorne Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,131 sqft · built 2022
Lot Size4.86 acres (211,702 sqft)
OwnerIndividual Name on File
Last Sale$975,000 (Jun 2024)
Tax Bill$11,188 (2025)
Deeds & MortgagesJul 2022 Line of Credit
Feb 2021 Sale
Flood ZoneZone X (minimal risk)
APN202630495000010300

Property Details

APN / Parcel Number

Primary APN202630495000010300

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,131 sqft Heated Area
Gross Area4,856 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area211,702 sqft (4.86 acres)
Garage TypeFinished

Exterior Amenities

Pool Area32 sqft
PorchOpen Porch
Porch Area575 sqft
Deck Area895 sqft
Shed1 Shed
Shed Area160 sqft
Pole Barn2,400 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address2796 SILVERTHORNE TRL
CitySAINT CLOUD
StateFL
Zip34772-7833
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 7 N 1/2 OF LOT 30
Legal SubdivisionKISSIMMEE PARK
Legal Lot Number30
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43209

Owner

Source: Osceola County records · APN 202630495000010300

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 RecordIndividual Name on File
Mailing Address2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 06, 2022Deed of Trust, Mortgage · Line of Credit
SOUTH STATE BANK NA
Feb 22, 2021Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 11, 2024 · Amount on Record
Deed SaleJun 11, 2024 · Amount on Record
Prior SaleFeb 22, 2021 · Amount on Record
Deed Document Number2024076731
Deed Book / Page6614 / 2396
Record UpdatedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833
Transaction TypeMortgage
Record UpdatedApr 02, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833

Mortgage

Document Number0062452859
DateJul 06, 2022
Book Page6245/2859
Instrument2022104161
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressWINTER HAVEN, FL 33880
Agreement
TypeLine of Credit
AmountAmount Recorded
Term119 Months
DueJun 20, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 22, 2021
Property Address2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833
Document Number0058950287
Book / Page5895 / 287
Map ReferenceMB B PG 7
Instrument DateFeb 17, 2021
Instrument2021024664
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Tax$997.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6107 CANOE CREEK RD, SAINT CLOUD, FL 34772-7439

Transferred To (Grantee/Buyer)

NameVerified Name
Address3164 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$11,188.00 (+21.32%) Homeowner's exemption$797,000 (+21.48%) Land $170,800 Building $626,200$797,000 (+1.89%) Land $170,800 Building $626,200
2023$9,222.00 (+392.89%) Homeowner's exemption$656,068 (+607.73%)$782,200 (+743.8%) Land $170,800 Building $611,400
2022$1,871.00$92,700 Land $92,700$92,700 Land $92,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 136 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2022, other causes, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims

Wildfire

Wildfire RiskHigh
above 79% of the US · above 67% of Florida
Wildfire LikelihoodAbout 1 in 161 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 9 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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