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5221 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5221 Silver Thistle Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,632 sqft · built 2007
Lot Size0.126 acres (5,489 sqft)
OwnerIndividual Name on File
Last Sale$220,000 (Dec 2018)
Tax Bill$2,963 (2025)
Deeds & MortgagesMar 2020 Mortgage
Dec 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN144616

Property Details

APN / Parcel Number

Primary APN144616
Alternative APN
  • 232630066800012610

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,632 sqft Heated Area
Gross Area2,444 sqft
1st Floor Area1,632 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,489 sqft (0.126 acres)
Lot Dimensions110 ft deep x 50 ft wide
Garage TypeFinished
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area412 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number144616
Street Address5221 SILVER THISTLE LN
CitySAINT CLOUD
StateFL
Zip34772-7097
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTHERN PINES UNIT 2 PB 18 PG 135-140 LOT 261
Legal Range30E
Legal Township26S
Legal Section23
Legal SubdivisionSOUTHERN PINES
Legal Tract668
Legal Block1
Legal Lot Number261
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1008
Census Tract43303

Owner

Source: Osceola County records · APN 144616

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 RecordIndividual Name on File
Mailing Address5221 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7097
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 26, 2020Deed of Trust, Mortgage · Conventional with PMI
HOME AMERICAN CREDIT INC HOME AMERICAN CREDIT INC
Dec 17, 2018Warranty Deed, Transfer · Conventional Mortgage
HOME1ST LENDING LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 17, 2018 · Amount on Record
Deed SaleDec 17, 2018 · Amount on Record
Prior SaleSep 08, 2015 · Amount on Record
Deed Document Number0054501165
Deed Book / Page5450 / 1165
Record UpdatedJun 08, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5221 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7097
Document Number0057062875
Instrument DateMar 26, 2020
Transaction TypeMortgage
Record UpdatedJun 24, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address5221 SILVER THISTLE LN ST CLOUD FL 347727097, ST CLOUD, FL 34772-7097

Mortgage

Document Number0057062875
DateApr 13, 2020
Book Page005706/002875
Instrument49800
Lender
NameHOME AMERICAN CREDIT INC HOME AMERICAN CREDIT INC
TypeBank
AddressORLANDO, FL 32801
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 12, 2050

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 17, 2018
Property Address5221 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7097
Document Number0054501165
Book / Page5450 / 1165
Map ReferenceMB 18 PG 135
Instrument DateDec 17, 2018
Instrument2018184050
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5221 SILVER THISTLE LN, 5221, SAINT CLOUD, FL 34772-7097

Transferred To (Grantee/Buyer)

NameVerified Name
Address5221 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7097

Mortgage

Document Number2018184051
DateDec 17, 2018
Instrument2018184051
Lender
NameHOME1ST LENDING LLC
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,963.00 (+6.51%) Homeowner's exemption$208,430 (+5.99%)$297,700 (+7.43%) Land $75,000 Building $222,700
2023$2,782.00 (+3.77%) Homeowner's exemption$196,657 (+3%)$277,100 (+3.09%) Land $60,000 Building $217,100
2022$2,681.00 Homeowner's exemption$190,930$268,800 Land $55,000 Building $213,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 133 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 685 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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, availability as of December 31, 2025 · Published October 2026 · based on 367 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

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