Osceola County property record for 4960 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,920 sqft · built 2005 |
| Lot Size | 0.233 acres (10,149 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Apr 2017) |
| Tax Bill | $4,273 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Jul 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-26-30-0667-0001-0140 |
| Primary APN | 23-26-30-0667-0001-0140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,920 sqft Living Area |
| Gross Area | 4,584 sqft |
| 1st Floor Area | 1,712 sqft |
| Upper Floors Area | 2,208 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 | 10,149 sqft (0.233 acres) |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 300 sqft |
| Porch | Florida Room |
| Porch Area | 428 sqft |
| Deck Area | 460 sqft |
| Patio Area | 180 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4960 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 14 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES UNIT 1 |
| Legal Tract | 667 |
| Legal Block | 140 |
| Legal Lot Number | 14 |
| 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 November 26, 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 | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jul 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| May 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HAMILTON GROUP FUNDING INC |
| Apr 27, 2017 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage HAMILTON GROUP FUNDING INC |
| Jan 6, 2017 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2017 · Amount on Record |
| Deed Sale | Apr 27, 2017 · Amount on Record |
| Prior Sale | Jan 24, 2017 · Amount on Record |
| Deed Document Number | 201762553 |
| Deed Book / Page | 5138 / 2593 |
| Prior Transfer Date | Aug 11, 2010 |
| Prior Transfer Doc | 0040192827 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0064501011 |
|---|---|
| Date | Aug 2, 2023 |
| Book Page | 6450/1011 |
| Instrument | 2023099742 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0062541300 |
|---|---|
| Date | Jul 20, 2022 |
| Book Page | 6254/1300 |
| Instrument | 2022111338 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Title Company | QUALITY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0057220235 |
|---|---|
| Date | May 14, 2020 |
| Book Page | 5722/235 |
| Instrument | 2020063899 |
| Name | HAMILTON GROUP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 27, 2017 |
| Property Address | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0051382593 |
| Book / Page | 5138 / 2593 |
| Map Reference | MB16 PG2-9 |
| Instrument Date | Apr 26, 2017 |
| Instrument | 2017062553 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117B BROADWAY, 117B, KISSIMMEE, FL 34741-5713 |
| Name | Verified Name |
|---|---|
| Address | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 51382594 |
|---|---|
| Date | Apr 27, 2017 |
| Instrument | 5138/2594 |
| Name | HAMILTON GROUP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 6, 2017 |
| Property Address | 4960 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0050821356 |
| Book / Page | 005082 / 001356 |
| Instrument Date | Dec 21, 2016 |
| Instrument | 3781 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,400.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 17 BROADWAY #B KISSIMMEE FL 347415783, B, KISSIMMEE, FL 34741-5783 |
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 | $4,273.00 (+3.46%) Homeowner's exemption | $281,655 (+6.2%) | $437,300 (+6.04%) Land $75,000 Building $362,300 |
| 2024 | $4,130.00 (+2.81%) | ||
| 2023 | $4,017.00 (+3.5%) Homeowner's exemption | $265,222 (+3%) | $412,400 (+2.33%) Land $60,000 Building $352,400 |
| 2022 | $3,881.00 Homeowner's exemption | $257,498 | $403,000 Land $55,000 Building $348,000 |
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 100 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 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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