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5230 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5230 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,312 sqft · built 2007
Lot Size0.147 acres (6,403 sqft)
OwnerIndividual Name on File
Last Sale$315,000 (Jun 2026)
Tax Bill$1,185 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Feb 2026 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN23-26-30-0668-0001-2810

Property Details

APN / Parcel Number

Primary APN23-26-30-0668-0001-2810
Alternative APNs
  • 263023066800012810
  • 144636

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,312 sqft Living Area
Gross Area1,800 sqft
1st Floor Area1,312 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,403 sqft (0.147 acres)
Lot Dimensions111 ft deep x 50 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area88 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5230 SILVER THISTLE LN
CitySAINT CLOUD
StateFL
Zip34772-7096
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionSOUTHERN PINES UNIT 2 PB 18 PG 135-140 LOT 281 AND N 1/2 OF VAC R/W ABUTTING THE S SIDE
Legal Range30E
Legal Township26S
Legal Section23
Legal SubdivisionSOUTHERN PINES UNIT 2
Legal Tract668
Legal Block2810
Legal Lot Number281
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43303

Owner

Source: Osceola County assessment roll, as of November 26, 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 Address8321 FORT THOMAS WAY, ORLANDO, FL 32822-7168
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 19, 2026Warranty Deed, Transfer · Conventional Mortgage
KIND LENDING LLC
Feb 9, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jun 2, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 19, 2026 · Amount on Record
Deed SaleJun 19, 2026 · Amount on Record
Prior SaleMar 2, 2010 · Amount on Record
Deed Document Number202680936
Deed Book / Page6991 / 6
Prior Transfer DateFeb 8, 2026
Prior Transfer Doc0069192136
Record UpdatedSep 20, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 19, 2026
Property Address5230 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096
Document Number0000080936
Book / Page6991 / 6
Instrument DateJun 18, 2026
Instrument202680936
Transaction TypeTransfer
Record UpdatedJun 30, 2026
Title CompanySUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TITLE & CLOSINGS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$222,705.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8321 FORT THOMAS WAY, ORLANDO, FL 32822-7168

Mortgage

Document Number0000080937,
DateJun 19, 2026
Instrument202680937
Lender
NameKIND LENDING LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.37%
Initial TypeFixed Rate
Max Rate-1%

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateFeb 9, 2026
Property Address5230 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096
Document Number0069192136
Book / Page6919 / 2136
Map ReferenceMB 18 PG 135-140
Instrument DateFeb 8, 2026
Instrument2026017279
Transaction TypeTransfer
Record UpdatedFeb 20, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5230 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096

Transferred To (Grantee/Buyer)

NameVerified Name
Address27 FOSSIL LN, DANVILLE, PA 17821-6729

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5230 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057310125
DateJun 2, 2020
Book Page5731/125
Instrument2020070915
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJul 1, 2035

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,185.00 (+4.22%) Homeowner's exemption$109,096 (+5.99%)$261,100 (+8.12%) Land $75,000 Building $186,100
2024$1,137.00 (+3.93%)
2023$1,094.00 (+5.09%) Homeowner's exemption$102,934 (+3%)$241,500 (+3.34%) Land $60,000 Building $181,500
2022$1,041.00 Homeowner's exemption$99,936$233,700 Land $55,000 Building $178,700

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 133 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 55% of the US · lower than 73% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 367 locations within half a mile, as of December 31, 2025

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

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