5020 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5020 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,222 sqft · built 2005
Lot Size	0.132 acres (5,793 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Mar 2017)
Tax Bill	$2,774 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120944`

Property Details

APN / Parcel Number

Primary APN	`120944`
Alternative APN	`232630066700010200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,222 sqft Heated Area
Gross Area	2,666 sqft
1st Floor Area	1,120 sqft
Upper Floors Area	1,102 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,793 sqft (0.132 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Patio Area	220 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120944
Street Address	5020 SILVER THISTLE LN
City	SAINT CLOUD
State	FL
Zip	34772-7071
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 20
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES
Legal Tract	667
Legal Block	1
Legal Lot Number	20 24
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	43303

Owner

Source: Osceola County records · APN 120944

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	5020 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 08, 2017 · Amount on Record
Deed Sale	Mar 08, 2017 · Amount on Record
Prior Sale	Jan 18, 2005 · Amount on Record
Deed Document Number	2017037051
Deed Book / Page	5114 / 0749
Record Updated	Jun 08, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 08, 2017
Property Address	5020 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7071
Document Number	0051140749
Book / Page	005114 / 000749
Instrument Date	Feb 27, 2017
Instrument	37051
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,351.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5020 SILVER THISTLE LN ST CLOUD FL 347727071, ST CLOUD, FL 34772-7071

Mortgage

Document Number	51140751
Date	Mar 08, 2017
Book Page	005114/000751
Instrument	37052

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 07, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,774.00 (+6.57%) Homeowner's exemption	$197,884 (+5.99%)	$304,500 (+7.14%) Land $75,000 Building $229,500
2023	$2,603.00 (+3.83%) Homeowner's exemption	$186,707 (+3%)	$284,200 (+3.12%) Land $60,000 Building $224,200
2022	$2,507.00 Homeowner's exemption	$181,269	$275,600 Land $55,000 Building $220,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

Based on FCC filings for 367 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.