Osceola County property record for 5481 Silver Thistle Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,854 sqft · built 2012 |
| Lot Size | 0.128 acres (5,619 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,700 (Mar 2012) |
| Tax Bill | $2,127 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 156209 |
| Primary APN | 156209 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,854 sqft Heated Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 1,854 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,619 sqft (0.128 acres) |
| Lot Dimensions | 111 ft deep x 50.4 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Patio Area | 180 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 156209 |
|---|---|
| Street Address | 5481 SILVER THISTLE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6855 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTHERN PINES UNIT 3A PB 20 PG 31-36 LOT 411 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 669 |
| Legal Block | 1 |
| Legal Lot Number | 411 |
| Legal Unit | 3A |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 43303 |
Source: Osceola County records · APN 156209
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 5481 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6855 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MY MORTGAGE INC |
| Nov 13, 2018 | Quit Claim Deed, Transfer NMB HM LNS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 15, 2012 · Amount on Record |
| Deed Sale | Mar 15, 2012 · Amount on Record |
| Prior Sale | Mar 15, 2012 · Amount on Record |
| Deed Document Number | 0042421327 |
| Deed Book / Page | 4242 / 1327 |
| Last Transfer Date | Nov 13, 2018 |
| Transfer Doc | 0054321369 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5481 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6855 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Title Company | A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 5481 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6855 |
| Document Number | 0061142105 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 6114/2105 |
| Instrument | 2021198308 |
| Name | MY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CROFTON, MD 21114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2018 |
| Property Address | 5481 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6855 |
| Document Number | 0054321369 |
| Book / Page | 005432 / 001369 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 167545 |
| Transaction Type | Transfer |
| Record Updated | Dec 04, 2018 |
| Title Company | APPLETOWER TITLE AND ESCROW LLC, APPLETOWER TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $448.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 5481 SILVER THISTLE LN ST CLOUD FL 347726855, ST CLOUD, FL 34772-6855 |
| Document Number | 54321372 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 005432/001372 |
| Instrument | 167546 |
| Name | NMB HM LNS INC |
|---|---|
| Address | LEBANON, NJ 08833 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 12, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,127.00 (+7.32%) Homeowner's exemption | $161,738 (+6.25%) | $305,600 (+7.38%) Land $75,000 Building $230,600 |
| 2023 | $1,982.00 (+4.1%) Homeowner's exemption | $152,231 (+3%) | $284,600 (+3.15%) Land $60,000 Building $224,600 |
| 2022 | $1,904.00 Homeowner's exemption | $147,798 | $275,900 Land $55,000 Building $220,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 376 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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