Osceola County property record for 5190 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,854 sqft · built 2007 |
| Lot Size | 0.146 acres (6,403 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $204,900 (May 2007) |
| Tax Bill | $2,314 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 144632 |
| Primary APN | 144632 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,854 sqft Heated Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 1,854 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,403 sqft (0.146 acres) |
| Lot Dimensions | 111 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Patio Area | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 144632 |
|---|---|
| Street Address | 5190 SILVER THISTLE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7073 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | SOUTHERN PINES UNIT 2 PB 18 PG 135-140 LOT 277 AND N 1/2 OF VAC R/W ABUTTING THE S SIDE |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 668 |
| Legal Block | 1 |
| Legal Lot Number | 277 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5190 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7073 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Sep 14, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2007 · Amount on Record |
| Deed Sale | May 4, 2007 · Amount on Record |
| Deed Document Number | 2007086555 |
| Deed Book / Page | 3472 / 1255 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5190 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7073 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0060932641 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 6093/2641 |
| Instrument | 2021182460 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5190 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7073 |
| Document Number | 0055920900 |
| Instrument Date | Sep 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5190 SILVER THISTLE LN ST CLOUD FL 347727073, ST CLOUD, FL 34772-7073 |
| Document Number | 0055920900 |
|---|---|
| Date | Sep 19, 2019 |
| Book Page | 005592/000900 |
| Instrument | 121277 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 18, 2049 |
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 | $2,314.00 (+4.71%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $121,643 (+5.99%) | $296,800 (+7.42%) Land $75,000 Building $221,800 |
| 2023 | $2,210.00 (+90.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $114,772 (+3%) | $276,300 (+3.14%) Land $60,000 Building $216,300 |
| 2022 | $1,158.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $111,430 | $267,900 Land $55,000 Building $212,900 |
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 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 |
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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