Osceola County property record for 4970 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,128 sqft · built 2005 |
| Lot Size | 0.222 acres (9,670 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Apr 2026) |
| Tax Bill | $1,287 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-26-30-0667-0001-0150 |
| Primary APN | 23-26-30-0667-0001-0150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 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 | 9,670 sqft (0.222 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Metal Porch |
| Porch Area | 240 sqft |
| Patio Area | 75 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4970 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 15 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES UNIT 1 |
| Legal Tract | 667 |
| Legal Block | 150 |
| Legal Lot Number | 15 |
| 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 April 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4970 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 9, 2026 · Amount on Record |
| Deed Sale | Apr 9, 2026 · Amount on Record |
| Prior Sale | Sep 27, 2005 · Amount on Record |
| Deed Document Number | 202647839 |
| Deed Book / Page | 6953 / 963 |
| Prior Transfer Date | Sep 7, 2007 |
| Prior Transfer Doc | 0035570665 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 9, 2026 |
| Property Address | 4970 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0069530963 |
| Book / Page | 6953 / 963 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 2026.47839 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | WOLFS CROSSING TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4970 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0000047840, |
|---|---|
| Date | Apr 9, 2026 |
| Book Page | 6953/965 |
| Instrument | 2026.47840 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
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 | $1,287.00 (+4.8%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $131,474 (+5.99%) | $318,200 (+6.96%) Land $75,000 Building $243,200 |
| 2024 | $1,228.00 (+4.42%) | ||
| 2023 | $1,176.00 (-1.42%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $124,048 (+3%) | $297,500 (+3.08%) Land $60,000 Building $237,500 |
| 2022 | $1,193.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $120,435 | $288,600 Land $55,000 Building $233,600 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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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