Osceola County property record for 4920 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,222 sqft · built 2005 |
| Lot Size | 0.262 acres (11,456 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $249,900 (Sep 2018) |
| Tax Bill | $3,679 (2025) |
| Deeds & Mortgages | Oct 2022 Second Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120935 |
| Primary APN | 120935 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,222 sqft Heated Area |
| Gross Area | 3,143 sqft |
| 1st Floor Area | 1,120 sqft |
| Upper Floors Area | 1,102 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,456 sqft (0.262 acres) |
| Garage Type | Finished |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 301 sqft |
| Patio Area | 180 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 120935 |
|---|---|
| Street Address | 4920 SILVER THISTLE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7069 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | SOUTHERN PINES UNIT 1 PB 16 PGS 2-9 LOT 11 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 667 |
| Legal Block | 1 |
| Legal Lot Number | 11 24 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 43303 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Mailing Address | 4920 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 3, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GTE FCU |
| Sep 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2018 · Amount on Record |
| Deed Sale | Sep 18, 2018 · Amount on Record |
| Prior Sale | Sep 13, 2005 · Amount on Record |
| Deed Document Number | 2018140779 |
| Deed Book / Page | 5402 / 2892 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4920 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4920 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0062922852 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 6292/2852 |
| Instrument | 2022146167 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 18, 2018 |
| Property Address | 4920 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0054022892 |
| Book / Page | 005402 / 002892 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 140779 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2018 |
| Title Company | A-Z TEAM TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,749.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4920 SILVER THISTLE LN ST CLOUD FL 347727069, ST CLOUD, FL 34772-7069 |
| Document Number | 54022894 |
|---|---|
| Date | Sep 18, 2018 |
| Book Page | 005402/002894 |
| Instrument | 140780 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2048 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,679.00 (+7.1%) Homeowner's exemption | $248,471 (+6.69%) | $331,000 (+7.4%) Land $75,000 Building $256,000 |
| 2023 | $3,435.00 (+3.62%) Homeowner's exemption | $232,899 (+3%) | $308,200 (+3.04%) Land $60,000 Building $248,200 |
| 2022 | $3,315.00 Homeowner's exemption | $226,116 | $299,100 Land $55,000 Building $244,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 133 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 133 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 367 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures