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5240 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5240 Silver Thistle Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,636 sqft · built 2007
Lot Size0.146 acres (6,403 sqft)
OwnerIndividual Name on File
Last Sale$350,000 (Aug 2023)
Tax Bill$4,247 (2025)
Deeds & MortgagesSep 2025 Mortgage
Aug 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN144637

Property Details

APN / Parcel Number

Primary APN144637
Alternative APN
  • 232630066800012820

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,636 sqft Heated Area
Gross Area2,054 sqft
1st Floor Area1,636 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,403 sqft (0.146 acres)
Lot Dimensions111 ft deep x 50 ft wide
Garage TypeFinished
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area18 sqft
Patio Area180 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number144637
Street Address5240 SILVER THISTLE LN
CitySAINT CLOUD
StateFL
Zip34772-7096
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTHERN PINES UNIT 2 PB 18 PG 135-140 LOT 282 AND N 1/2 OF VAC R/W ABUTTING THE S SIDE
Legal Range30E
Legal Township26S
Legal Section23
Legal SubdivisionSOUTHERN PINES
Legal Tract668
Legal Block1
Legal Lot Number282
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43303

Owner

Source: Osceola County records · APN 144637

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
Co-ownerVerified Secondary Owner
Mailing Address5240 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2025Deed of Trust, Mortgage · FHA Mortgage
OUTAMATION INC
Aug 07, 2023Warranty Deed, Transfer · FHA Mortgage
FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 07, 2023 · Amount on Record
Deed SaleAug 07, 2023 · Amount on Record
Prior SaleNov 26, 2013
Deed Document Number2023102355
Deed Book / Page6453 / 1201
Record UpdatedJun 08, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5240 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096
Transaction TypeMortgage
Record UpdatedOct 13, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address5240 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096

Mortgage

Document Number0068472959
DateSep 11, 2025
Book Page6847/2959
Instrument2025113133
Lender
NameOUTAMATION INC
TypeNon-Lending Institution
AddressFORT LAUDERDALE, FL 33323
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term336 Months
DueSep 01, 2053

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 07, 2023
Property Address5240 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096
Document Number0064531201
Book / Page6453 / 1201
Map ReferenceMB 18 PG 135
Instrument DateAug 02, 2023
Instrument2023102355
Transaction TypeTransfer
Record UpdatedAug 31, 2023
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3168 BAYVIEW LN, SAINT CLOUD, FL 34772-8508

Transferred To (Grantee/Buyer)

NameVerified Name
Address5240 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096

Mortgage

Document Number0064531203
DateAug 07, 2023
Instrument6453/1203
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2053

Mortgage

Document Number0064531216
DateAug 07, 2023
Book Page6453/1216
Instrument2023102357
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

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$4,247.00 (-3.54%) Homeowner's exemption$280,196 (+7.44%)$280,900 (+7.71%) Land $75,000 Building $205,900
2023$4,403.00 (+7.6%)$260,800 (+3.21%) Land $60,000 Building $200,800$260,800 (+3.21%) Land $60,000 Building $200,800
2022$4,092.00$252,700 Land $55,000 Building $197,700$252,700 Land $55,000 Building $197,700

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 500 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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Mobile Coverage

5G and 4G LTE

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