5510 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5510 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,854 sqft · built 2011
Lot Size	0.282 acres (12,283 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Jul 2022)
Tax Bill	$4,707 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0669-0001-3090`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0669-0001-3090`
Alternative APNs	`263023066900013090` `156107`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	2,590 sqft
1st Floor Area	1,854 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,283 sqft (0.282 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	336 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5510 SILVER THISTLE LN
City	SAINT CLOUD
State	FL
Zip	34772-6850
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 309
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES UNIT 3A
Legal Tract	669
Legal Block	3090
Legal Lot Number	309
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 records · APN 23-26-30-0669-0001-3090

Assessment roll updated November 26, 2025 · Last verified August 2026

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	5510 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 05, 2022 · Amount on Record
Deed Sale	Jul 05, 2022 · Amount on Record
Prior Sale	Aug 16, 2011 · Amount on Record
Deed Document Number	2022103838
Deed Book / Page	6245 / 1489
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 05, 2022
Property Address	5510 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Document Number	0062451489
Book / Page	6245 / 1489
Map Reference	MB 20 PG 31
Instrument Date	Jun 05, 2022
Instrument	2022103838
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3036 W CASS AVE, 3036, FLINT, MI 48504-1206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5510 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850

Mortgage

Document Number	0062451490
Date	Jul 05, 2022
Instrument	6245/1490

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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	$4,707.00 (+3.45%) Homeowner's exemption	$305,878 (+5.99%)	$309,500 (+7.24%) Land $75,000 Building $234,500
2024	$4,550.00 (+2.52%)
2023	$4,438.00 (-1.64%) Homeowner's exemption	$288,600 (+3.07%) Land $60,000 Building $228,600	$288,600 (+3.07%) Land $60,000 Building $228,600
2022	$4,512.00	$280,000 Land $55,000 Building $225,000	$280,000 Land $55,000 Building $225,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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.

Based on FCC filings for 29 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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.