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5321 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5321 Silver Thistle Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,868 sqft · built 2007
Lot Size0.126 acres (5,532 sqft)
Owner2 Individual Names on File
Last Sale$230,000 (Mar 2017)
Tax Bill$6,883 (2025)
Deeds & MortgagesOct 2019 Loan Modification
Sep 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN144625

Property Details

APN / Parcel Number

Primary APN144625
Alternative APN
  • 232630066800012700

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,868 sqft Heated Area
Gross Area3,360 sqft
1st Floor Area1,228 sqft
Upper Floors Area1,640 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,532 sqft (0.126 acres)
Garage TypeFinished
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area12 sqft
Patio Area180 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number144625
Street Address5321 SILVER THISTLE LN
CitySAINT CLOUD
StateFL
Zip34772-7099
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTHERN PINES UNIT 2 PB 18 PG 135-140 LOT 270
Legal Range30E
Legal Township26S
Legal Section23
Legal SubdivisionSOUTHERN PINES
Legal Tract668
Legal Block1
Legal Lot Number270
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1008
Census Tract43303

Owner

Source: Osceola County records · APN 144625

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 Record2 Individual Names on File
Mailing Address5321 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7099
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 10, 2019Loan Modification, Mortgage · Conventional with PMI
MIDFIRST BK
Sep 20, 2019Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Mar 24, 2017Warranty Deed, Transfer · FHA Mortgage
MLB RESID'L LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 24, 2017 · Amount on Record
Deed SaleMar 24, 2017 · Amount on Record
Prior SaleApr 15, 2008 · Amount on Record
Deed Document Number2017045653
Deed Book / Page5121 / 2000
Record UpdatedJun 08, 2026

October 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address5321 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7099
Document Number0056151545
Instrument DateOct 10, 2019
Transaction TypeMortgage
Record UpdatedNov 12, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5321 SILVER THISTLE LN ST CLOUD FL 347727099, ST CLOUD, FL 34772-7099

Mortgage

Document Number0056151545
DateOct 31, 2019
Book Page005615/001545
Instrument141309
Lender
NameMIDFIRST BK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueOct 30, 2049
Interest
Rate TypeFixed Rate
Rate4.25%

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5321 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7099
Document Number0056120796
Instrument DateSep 20, 2019
Transaction TypeMortgage
Record UpdatedNov 08, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5321 SILVER THISTLE LN ST CLOUD FL 347727099, ST CLOUD, FL 34772-7099

Mortgage

Document Number0056120796
DateOct 25, 2019
Book Page005612/000796
Instrument138508
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 24, 2049

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 24, 2017
Property Address5321 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7099
Document Number0051212000
Book / Page005121 / 002000
Instrument DateMar 20, 2017
Instrument45653
Transaction TypeTransfer
Record UpdatedNov 12, 2019
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,610.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5321 SILVER THISTLE LN ST CLOUD FL 347727099, ST CLOUD, FL 34772-7099

Mortgage

Document Number51212002
DateMar 24, 2017
Book Page005121/002002
Instrument45654
Lender
NameMLB RESID'L LNDG
AddressSPRINGFIELD, NJ 07081
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 23, 2047

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$6,883.00 (+3.29%) Homeowner's exemption Disabled Person's exemption$246,380 (+5.99%)$342,800 (+6.66%) Land $75,000 Building $267,800
2023$6,664.00 (-0.49%) Homeowner's exemption Disabled Person's exemption$232,464 (+3%)$321,400 (+2.88%) Land $60,000 Building $261,400
2022$6,697.00 Homeowner's exemption Disabled Person's exemption$225,694$312,400 Land $55,000 Building $257,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

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

Values are read at the parcel center point; lenders make the official flood determination.

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