5560 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5560 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,772 sqft · built 2012
Lot Size	0.126 acres (5,532 sqft)
Owner	Individual on Record
Last Sale	$350,000 (Jul 2023)
Tax Bill	$4,673 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`156112`

Property Details

APN / Parcel Number

Primary APN	`156112`
Alternative APN	`232630066900013140`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,772 sqft Heated Area
Gross Area	2,512 sqft
1st Floor Area	1,772 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,532 sqft (0.126 acres)
Lot Dimensions	111 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156112
Street Address	5560 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 314
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES
Legal Tract	669
Legal Block	1
Legal Lot Number	314
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 assessment roll, as of July 1, 2025

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	5560 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 1, 2023	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2023 · Amount on Record
Deed Sale	Jul 18, 2023 · Amount on Record
Prior Sale	Jun 1, 2023 · Amount on Record
Deed Document Number	2023092667
Deed Book / Page	6442 / 861
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2023
Property Address	5560 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Document Number	0064420861
Book / Page	6442 / 861
Map Reference	MB 20 PG 31
Instrument Date	Jul 17, 2023
Instrument	2023092667
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4121 TWILIGHT TRL, KISSIMMEE, FL 34746-3247

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5560 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850

Mortgage

Document Number	0006442863
Date	Jul 18, 2023
Instrument	6442/863

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2023
Property Address	5560 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6850
Document Number	0064171197
Book / Page	6417 / 1197
Map Reference	MB 20 PG 31
Instrument Date	May 30, 2023
Instrument	2023070558
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 199, KENTON PARK XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4121 TWILIGHT TRL, KISSIMMEE, FL 34746-3247

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,673.00 (-1.89%) Homeowner's exemption	$303,966 (+7.18%)	$304,200 (+7.26%) Land $75,000 Building $229,200
2023	$4,763.00 (+7.59%)	$283,600 (+3.2%) Land $60,000 Building $223,600	$283,600 (+3.2%) Land $60,000 Building $223,600
2022	$4,427.00	$274,800 Land $55,000 Building $219,800	$274,800 Land $55,000 Building $219,800

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 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

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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