5440 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5440 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,222 sqft · built 2009
Lot Size	0.146 acres (6,403 sqft)
Owner	Owner Name on File
Last Sale	$174,400 (May 2009)
Tax Bill	$5,554 (2025)
Flood Zone	Zone X (minimal risk)
APN	`156100`

Property Details

APN / Parcel Number

Primary APN	`156100`
Alternative APN	`232630066900013020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,222 sqft Heated Area
Gross Area	2,666 sqft
1st Floor Area	1,120 sqft
Upper Floors Area	1,102 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.146 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156100
Street Address	5440 SILVER THISTLE LN
City	SAINT CLOUD
State	FL
Zip	34772-6849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	SOUTHERN PINES UNIT 3A PB 20 PG 31-36 LOT 302
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES
Legal Tract	669
Legal Block	1
Legal Lot Number	302
Legal Unit	3A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County assessment roll, APN 156100, as of 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 Record	Owner Name on File
Mailing Address	2117 NAMEOKE AVE, FAR ROCKAWAY, NY 11691-3157

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 06, 2009 · Amount on Record
Deed Sale	May 06, 2009 · Amount on Record
Deed Document Number	2009070874
Deed Book / Page	3831 / 1258
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Osceola County assessment roll as of July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,554.00 (+14.02%)	$310,100 (+7.12%) Land $75,000 Building $235,100	$310,100 (+7.12%) Land $75,000 Building $235,100
2023	$4,871.00 (+7.58%)	$289,500 (+3.14%) Land $60,000 Building $229,500	$289,500 (+3.14%) Land $60,000 Building $229,500
2022	$4,528.00	$280,700 Land $55,000 Building $225,700	$280,700 Land $55,000 Building $225,700

Flood & Wildfire

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

Flood

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

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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, 29 locations within half a mile, 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
Starlink Satellite	280 / 30

May also be available: Lumen Technologies, Xfinity.

Drinking Water

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

Violations Reported to EPA

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.