Osceola County property record for 4980 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,656 sqft · built 2005 |
| Lot Size | 0.128 acres (5,619 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,900 (Feb 2005) |
| Tax Bill | $1,528 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 120940 |
| Primary APN | 120940 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,656 sqft Heated Area |
| Gross Area | 2,132 sqft |
| 1st Floor Area | 1,656 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,619 sqft (0.128 acres) |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Deck Area | 452 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 120940 |
|---|---|
| Street Address | 4980 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 16 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 667 |
| Legal Block | 1 |
| Legal Lot Number | 16 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 assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4980 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2022 | Deed of Trust, Mortgage · Line of Credit PARTNERS FCU |
| May 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC |
| Sep 5, 2019 | Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC |
| Mar 31, 2020 | Deed of Trust, Mortgage · Line of Credit PARTNERS FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 24, 2005 · Amount on Record |
| Deed Sale | Feb 24, 2005 · Amount on Record |
| Deed Document Number | 2005044711 |
| Deed Book / Page | 2709 / 2980 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4980 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4980 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0062111700 |
|---|---|
| Date | May 10, 2022 |
| Book Page | 6211/1700 |
| Instrument | 2022074338 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 21, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4980 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4980 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Document Number | 0059580292 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 5958/292 |
| Instrument | 2021074279 |
| Name | LAKEVIEW COMMUNITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4980 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055832274 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 5583/2274 |
| Instrument | 2019113792 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4980 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7069 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057010568 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 5701/568 |
| Instrument | 2020045032 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,528.00 (+7.61%) Homeowner's exemption | $128,283 (+5.99%) | $289,700 (+7.94%) Land $75,000 Building $214,700 |
| 2023 | $1,420.00 (+4.57%) Homeowner's exemption | $121,037 (+3%) | $268,400 (+2.84%) Land $60,000 Building $208,400 |
| 2022 | $1,358.00 Homeowner's exemption | $117,512 | $261,000 Land $55,000 Building $206,000 |
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 |
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