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5540 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5540 Silver Thistle Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,980 sqft · built 2011
Lot Size0.126 acres (5,532 sqft)
Owner2 Company Names on File
Tax Bill$5,502 (2025)
Deeds & MortgagesAug 2022 Mortgage
Nov 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN156110

Property Details

APN / Parcel Number

Primary APN156110
Alternative APN
  • 232630066900013120

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,980 sqft Heated Area
Gross Area2,738 sqft
1st Floor Area822 sqft
Upper Floors Area1,158 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2011
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,532 sqft (0.126 acres)
Garage TypeFinished
Garage Area399 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchFinished/Screened Porch
Porch Area359 sqft
Deck Area300 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number156110
Street Address5540 SILVER THISTLE LN
CitySAINT CLOUD
StateFL
Zip34772-6850
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTHERN PINES UNIT 3A PB 20 PG 31-36 LOT 312
Legal Range30E
Legal Township26S
Legal Section23
Legal SubdivisionSOUTHERN PINES
Legal Tract669
Legal Block1
Legal Lot Number312
Legal Unit3A
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43303

Owner

Source: Osceola County records · APN 156110

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 Record2 Company Names on File
Mailing Address5540 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
OccupancyOwner Occupied
Owner TypeCompany
VestingEstate

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2022Deed of Trust, Mortgage · FHA Mortgage
CARRINGTON MORTGAGE SERVICES LLC
Nov 12, 2018Loan Modification, Mortgage · Conventional Mortgage
JP MORGAN CHASE BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 07, 2024
Deed SaleMay 07, 2024
Deed Document Number2011154429
Deed Book / Page4195 / 1919
Prior Transfer DateNov 03, 2011
Prior Transfer Doc2011154429
Record UpdatedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5540 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Transaction TypeMortgage
Record UpdatedSep 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5540 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850

Mortgage

Document Number0062712675
DateAug 19, 2022
Book Page6271/2675
Instrument2022127563
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressANAHEIM, CA 92806
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term480 Months
DueAug 01, 2062

November 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address5540 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Document Number0054480855
Instrument DateNov 12, 2018
Transaction TypeMortgage
Record UpdatedJan 02, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5540 SILVER THISTLE LN ST CLOUD FL 347726850, ST CLOUD, FL 34772-6850

Mortgage

Document Number0054480855
DateDec 12, 2018
Book Page005448/000855
Instrument181907
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43219-6009
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term300 Months
DueDec 11, 2043

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$5,502.00 (+13.82%)$307,200 (+7.23%) Land $75,000 Building $232,200$307,200 (+7.23%) Land $75,000 Building $232,200
2023$4,834.00 (+7.54%)$286,500 (+3.06%) Land $60,000 Building $226,500$286,500 (+3.06%) Land $60,000 Building $226,500
2022$4,495.00$278,000 Land $55,000 Building $223,000$278,000 Land $55,000 Building $223,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 133 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 376 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 276 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumFiber1,000 / 1,000

May also be available at this address: Verizon, Spectrum, AT&T, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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