5450 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5450 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,545 sqft · built 2010
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Mar 2026)
Tax Bill	$2,521 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0669-0001-3030`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0669-0001-3030`
Alternative APNs	`263023066900013030` `156101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,545 sqft Living Area
Gross Area	2,194 sqft
1st Floor Area	1,545 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.147 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5450 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 303
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES UNIT 3A
Legal Tract	669
Legal Block	3030
Legal Lot Number	303
Legal Unit	3A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

5450 Silver Thistle Ln is owned and occupied by two individuals who bought it in March 2026.

Source: Osceola County records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5450 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6849
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 2, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 16, 2018	Loan Modification, Mortgage · Conventional with PMI QUICKEN LNS
Jan 20, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2026 · Amount on File
Deed Sale	Mar 18, 2026 · Amount on File
Prior Sale	Jan 20, 2017 · Amount on File
Deed Document Number	202635646
Deed Book / Page	6939 / 386
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2026
Property Address	5450 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6849
Document Number	0069390386
Book / Page	6939 / 386
Map Reference	MB 20 PG 31-36
Instrument Date	Mar 12, 2026
Instrument	2026035646
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TTL PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5450 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6849

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5450 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6849

Mortgage

Document Number	0006939388
Date	Mar 18, 2026
Instrument	6939/388

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5450 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6849
Document Number	0057190391
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5450 SILVER THISTLE LN ST CLOUD FL 347726849, ST CLOUD, FL 34772-6849

Mortgage

Document Number	0057190391
Date	May 7, 2020
Book Page	005719/000391
Instrument	61315

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5450 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6849
Document Number	0053281813
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5450 SILVER THISTLE LN ST CLOUD FL 347726849, ST CLOUD, FL 34772-6849

Mortgage

Document Number	0053281813
Date	May 4, 2018
Book Page	005328/001813
Instrument	71731

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 3, 2048

Interest

Rate	3.75%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 20, 2017
Property Address	5450 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6849
Document Number	0050890855
Book / Page	005089 / 000855
Instrument Date	Jan 5, 2017
Instrument	11639
Transaction Type	Transfer
Record Updated	Feb 10, 2017
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,344.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5450 SILVER THISTLE LN ST CLOUD FL 347726849, ST CLOUD, FL 34772-6849

Mortgage

Document Number	50890857
Date	Jan 20, 2017
Book Page	005089/000857
Instrument	11640

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5450 Silver Thistle Ln was $2,521 with a homeowner's exemption, up 3.7% from the year before.

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,521.00 (+3.66%) Homeowner's exemption	$183,746	$284,500 Land $75,000 Building $209,500
2024	$2,432.00 (+2.92%)
2023	$2,363.00 (+3.91%) Homeowner's exemption	$173,367 (+3%)	$264,400 (+3.24%) Land $60,000 Building $204,400
2022	$2,274.00 Homeowner's exemption	$168,318	$256,100 Land $55,000 Building $201,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5450 Silver Thistle Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 File 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

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.

Wildfire

Wildfire risk around 5450 Silver Thistle Ln is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

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: CenturyLink, Xfinity.

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