5551 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5551 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,984 sqft · built 2012
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on Record
Last Sale	$169,700 (Sep 2012)
Tax Bill	$6,914 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0669-0001-4090`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0669-0001-4090`
Alternative APNs	`263023066900014090` `156207`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,984 sqft Living Area
Gross Area	3,504 sqft
1st Floor Area	1,340 sqft
Upper Floors Area	1,644 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,445 sqft (0.125 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	324 sqft
Porch	Slab
Porch Area	120 sqft
Deck Area	586 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5551 SILVER THISTLE LN
City	SAINT CLOUD
State	FL
Zip	34772-6854
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 409
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES UNIT 3A
Legal Tract	669
Legal Block	4090
Legal Lot Number	409
Legal Unit	3A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	43303

Owner

Source: Osceola County records, as of July 20, 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 Record
Mailing Address	415 COCONUT CT, SOUTH BAY, FL 33493-2344
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Sep 11, 2018	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2012 · Amount on Record
Deed Sale	Sep 24, 2012 · Amount on Record
Deed Document Number	2012137987
Deed Book / Page	4325 / 2135
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5551 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057150336
Date	Apr 28, 2020
Book Page	5715/336
Instrument	2020057906

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5551 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053980579
Date	Sep 11, 2018
Book Page	5398/0579
Instrument	2018135688

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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	$6,914.00 (+18.78%)	$386,100 (+3.38%) Land $75,000 Building $311,100	$386,100 (+2.03%) Land $75,000 Building $311,100
2024	$5,821.00 (+2.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$373,478 (+3%)	$378,400 (+4.36%) Land $67,000 Building $311,400
2023	$5,681.00 (+2.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$362,600 (+2.55%) Land $60,000 Building $302,600	$362,600 (+2.55%) Land $60,000 Building $302,600
2022	$5,562.00	$353,600 Land $55,000 Building $298,600	$353,600 Land $55,000 Building $298,600

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

Flood

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 100 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

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

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

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.3% 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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: AT&T, Hotwire Communications, Verizon.

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