Osceola County property record for 5310 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,215 sqft · built 2007 |
| Lot Size | 0.147 acres (6,403 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (May 2024) |
| Tax Bill | $4,788 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Apr 2023 Transfer + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-26-30-0668-0001-2890 |
| Primary APN | 23-26-30-0668-0001-2890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,215 sqft Living Area |
| Gross Area | 2,677 sqft |
| 1st Floor Area | 1,120 sqft |
| Upper Floors Area | 1,095 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,403 sqft (0.147 acres) |
| Lot Dimensions | 111 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Metal Porch |
| Porch Area | 201 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5310 SILVER THISTLE LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7098 |
| 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 289 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 UNIT 2 |
| Legal Tract | 668 |
| Legal Block | 2890 |
| Legal Lot Number | 289 |
| 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 · APN 23-26-30-0668-0001-2890
Assessment roll updated November 26, 2025 · Last verified August 2026
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 | 660 BROWN BEAR CT, SAINT CLOUD, FL 34772-7046 |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| May 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 18, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 06, 2019 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Apr 09, 2020 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Aug 10, 2018 | Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2024 · Amount on Record |
| Deed Sale | May 22, 2024 · Amount on Record |
| Prior Sale | Oct 03, 2007 · Amount on Record |
| Deed Document Number | 202467905 |
| Deed Book / Page | 6605 / 94 |
| Prior Transfer Date | Apr 14, 2023 |
| Prior Transfer Doc | 0063900492 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Document Number | 0064040938 |
|---|---|
| Date | May 10, 2023 |
| Book Page | 6404/938 |
| Instrument | 2023058980 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 18, 2023 |
| Property Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Document Number | 0063900492 |
| Book / Page | 6390 / 492 |
| Map Reference | MB 18 PG 135-140 |
| Instrument Date | Apr 14, 2023 |
| Instrument | 2023045706 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2022 |
| Title Company | MADISON STLMT SVCS BALTMORE |
| Name | Verified Name |
|---|---|
| Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Document Number | 0062341052 |
|---|---|
| Date | Jun 16, 2022 |
| Book Page | 6234/1052 |
| Instrument | 2022094332 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Document Number | 0060721967 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 6072/1967 |
| Instrument | 2021166113 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055842655 |
|---|---|
| Date | Sep 06, 2019 |
| Book Page | 5584/2655 |
| Instrument | 2019114954 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057052562 |
|---|---|
| Date | Apr 09, 2020 |
| Book Page | 5705/2562 |
| Instrument | 2020048805 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5310 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Document Number | 0053862176 |
| Instrument Date | Aug 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2018 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 5310 SILVER THISTLE LN ST CLOUD FL 347727098, ST CLOUD, FL 34772-7098 |
| Document Number | 0053862176 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | 005386/002176 |
| Instrument | 125665 |
| Name | INTERCONTINENTAL CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,788.00 (+221.34%) | $310,400 (+154.17%) Land $75,000 Building $235,400 | $310,400 (+7.22%) Land $75,000 Building $235,400 |
| 2024 | $1,490.00 (+3.47%) | ||
| 2023 | $1,440.00 (+4.58%) Homeowner's exemption | $122,121 (+3%) | $289,500 (+3.02%) Land $60,000 Building $229,500 |
| 2022 | $1,377.00 Homeowner's exemption | $118,565 | $281,000 Land $55,000 Building $226,000 |
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
| 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 Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None 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.
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.
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 |
| 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.
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