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5520 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5520 Silver Thistle Ln, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 2011
Square Footage2,984 sqft Living Area
Lot Size11,020 sqft (0.253 acres)
OccupancyOwner Occupied
Last Sale$190,000 (2014)
Tax Bill$3,277.00 (2025)

Property Details

APN / Parcel Number

Primary APN23-26-30-0669-0001-3100
Alternative APNs
  • 263023066900013100
  • 156108

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Building Area2,984 sqft Living Area
Gross Area3,504 sqft Gross Area
1st Floor1,340 sqft 1st Floor
Upper Floors1,644 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2011
Architectural StyleConventional Style
Exterior MaterialCombination Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,020 sqft (0.253 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area400 sqft Garage
Patio Area220 sqft Patio
Porch Area120 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address5520 SILVER THISTLE LN
CitySAINT CLOUD
StateFL
Zip34772-6850
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSOUTHERN PINES UNIT 3A PB 20 PG 31-36 LOT 310
Legal Range30E
Legal Township26S
Legal Section23
Legal SubdivisionSOUTHERN PINES UNIT 3A
Legal Tract669
Legal Block3100
Legal Lot Number310
Legal Unit3A
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1000
Census Tract43303

Owner

Source: Osceola County records · APN 23-26-30-0669-0001-3100

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address5520 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Person or Individual

Deeds, Mortgages & Sale History

DateDocument
Mar 07, 2017Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV
Mar 07, 2017Loan Modification, Mortgage · Conventional Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 02, 2014 · Amount on Record
Deed SaleDec 02, 2014 · Amount on Record
Prior SaleNov 15, 2011 · Amount on Record
Deed Doc Number2014175552
Deed Book / Page4702 / 69
Record RefreshedSep 20, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5520 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Document Number0051212299
Instrument DateMar 07, 2017
Transaction TypeMortgage
Record UpdatedNov 16, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5520 SILVER THISTLE LN ST CLOUD FL 347726850, ST CLOUD, FL 34772-6850

Mortgage

Document Number0051212299
DateMar 24, 2017
Book Page005121/002299
Instrument45779
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410-8000
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 23, 2047

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address5520 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Document Number0051332352
Instrument DateMar 07, 2017
Transaction TypeMortgage
Record UpdatedAug 20, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5520 SILVER THISTLE LN ST CLOUD FL 347726850, ST CLOUD, FL 34772-6850

Mortgage

Document Number0051332352
DateApr 18, 2017
Book Page005133/002352
Instrument57417
Lender
NameWELLS FARGO BK
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 17, 2047
Interest
Rate TypeFixed Rate
Rate4.25%

Tax Assessment & Valuation

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

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$3,277.00 (+6.36%) Homeowner's exemption$225,978 (+5.99%)$366,800 (+6.35%) Land $75,000 Building $291,800
2023$3,081.00 (+3.7%) Homeowner's exemption$213,214 (+3%)$344,900 (+2.74%) Land $60,000 Building $284,900
2022$2,971.00 Homeowner's exemption$207,004$335,700 Land $55,000 Building $280,700

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 500 ft

Wildfire

Wildfire RiskModerate
above 61% of the US · above 35% of Florida
Wildfire LikelihoodAbout 1 in 442 per year
ExposureDirect
burnable vegetation at the parcel

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

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