Osceola County property record for 4950 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,128 sqft · built 2005 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | Company Name on File |
| Last Sale | $170,000 (Feb 2016) |
| Tax Bill | $5,669 (2025) |
| Deeds & Mortgages | Oct 2018 Loan Modification Oct 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-26-30-0667-0001-0130 |
| Primary APN | 23-26-30-0667-0001-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,128 sqft Living Area |
| Gross Area | 2,528 sqft |
| 1st Floor Area | 2,128 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Metal Porch |
| Porch Area | 170 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4950 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 13 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES UNIT 1 |
| Legal Tract | 667 |
| Legal Block | 130 |
| Legal Lot Number | 13 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 43303 |
4950 Silver Thistle Ln is owned by a company that bought it in February 2016.
Source: Osceola County records, as of April 14, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 4090, SCOTTSDALE, AZ 85261-4090 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 17, 2018 | Loan Modification, Mortgage · Line of Credit MORGAN STANLEY MTG CAP HOLDING |
| Oct 8, 2018 | Grant Deed, Transfer OS NATIONAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 2016 · Amount on File |
| Deed Sale | Feb 23, 2016 · Amount on File |
| Prior Sale | Nov 6, 2015 |
| Deed Document Number | 201625061 |
| Deed Book / Page | 4916 / 2594 |
| Prior Transfer Date | Sep 28, 2015 |
| Prior Transfer Doc | 0048690621 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 17, 2018 |
| Property Address | 4950 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0054190297 |
| Book / Page | 005419 / 000297 |
| Instrument Date | Oct 4, 2018 |
| Instrument | 155775 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 810 7TH AVE #24TH NEW YORK NY 100195818, 24TH, NEW YORK, NY 10019-5818 |
| Document Number | 54190297 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 005419/000297 |
| Instrument | 155775 |
| Name | MORGAN STANLEY MTG CAP HOLDING |
|---|---|
| Type | Mortgage Company |
| Address | 1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 16, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 8, 2018 |
| Property Address | 4950 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0054141381 |
| Book / Page | 005414 / 001381 |
| Instrument Date | Oct 4, 2018 |
| Instrument | 151294 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090 |
The 2025 property tax bill for 4950 Silver Thistle Ln was $5,669, up 6.1% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $5,669.00 (+6.08%) | $316,500 Land $75,000 Building $241,500 | $316,500 Land $75,000 Building $241,500 |
| 2024 | $5,344.00 (+7.07%) | ||
| 2023 | $4,991.00 (+7.56%) | $295,800 (+3.1%) Land $60,000 Building $235,800 | $295,800 (+3.1%) Land $60,000 Building $235,800 |
| 2022 | $4,640.00 | $286,900 Land $55,000 Building $231,900 | $286,900 Land $55,000 Building $231,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4950 Silver Thistle Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 4950 Silver Thistle Ln is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
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