Osceola County property record for 5320 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,636 sqft · built 2007 |
| Lot Size | 0.147 acres (6,403 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $369,000 (Dec 2023) |
| Tax Bill | $4,378 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Oct 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-26-30-0668-0001-2900 |
| Primary APN | 23-26-30-0668-0001-2900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,636 sqft Living Area |
| Gross Area | 2,054 sqft |
| 1st Floor Area | 1,636 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 198 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5320 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 290 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 | 2900 |
| Legal Lot Number | 290 |
| 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 23-26-30-0668-0001-2900
Assessment roll updated November 26, 2025 · Last verified April 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 | 6045 AUGUSTA NATIONAL DR, 310, ORLANDO, FL 32822-3203 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 27, 2023 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| Oct 10, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 27, 2023 · Amount on Record |
| Deed Sale | Dec 27, 2023 · Amount on Record |
| Prior Sale | Apr 18, 2016 · Amount on Record |
| Deed Document Number | 2023167947 |
| Deed Book / Page | 6525 / 1512 |
| Prior Transfer Date | Jan 09, 2013 |
| Prior Transfer Doc | 0043821752 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 27, 2023 |
| Property Address | 5320 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Document Number | 0065251512 |
| Book / Page | 6525 / 1512 |
| Map Reference | MB 18 PG 135-140 |
| Instrument Date | Dec 16, 2023 |
| Instrument | 2023167947 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2024 |
| Title Company | ELEVATED TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,583.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1395 EARLSFERRY AVE, VERO BEACH, FL 32966-1211 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 6045 AUGUSTA NATIONAL DR APT 310, 310, ORLANDO, FL 32822-3203 |
| Document Number | 0065251514 |
|---|---|
| Date | Dec 27, 2023 |
| Instrument | 6525/1514 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
| Document Number | 0065251528 |
|---|---|
| Date | Dec 27, 2023 |
| Book Page | 6525/1528 |
| Instrument | 2023167949 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5320 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052211547 |
|---|---|
| Date | Oct 10, 2017 |
| Book Page | 5221/1547 |
| Instrument | 2017144904 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 37469 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5320 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7098 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0058251191 |
|---|---|
| Date | Nov 03, 2020 |
| Book Page | 5825/1191 |
| Instrument | 2020149306 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $4,378.00 (-12.11%) | $287,500 (+76.34%) Land $75,000 Building $212,500 | $287,500 (+7.6%) Land $75,000 Building $212,500 |
| 2024 | $4,981.00 (+128.8%) | ||
| 2023 | $2,177.00 (+4.01%) Homeowner's exemption | $163,038 (+3%) | $267,200 (+3.17%) Land $60,000 Building $207,200 |
| 2022 | $2,093.00 Homeowner's exemption | $158,290 | $259,000 Land $55,000 Building $204,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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, water system FL3491373, 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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