Osceola County property record for 5581 Silver Thistle Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,634 sqft · built 2011 |
| Lot Size | 0.126 acres (5,532 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Mar 2017) |
| Tax Bill | $5,209 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 156204 |
| Primary APN | 156204 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,634 sqft Heated Area |
| Gross Area | 2,320 sqft |
| 1st Floor Area | 1,634 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| 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 | 110 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 286 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 156204 |
|---|---|
| Street Address | 5581 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 406 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 669 |
| Legal Block | 1 |
| Legal Lot Number | 406 |
| Legal Unit | 3A |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 43303 |
Source: Osceola County records · APN 156204
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 511 N KIRKMAN RD, ORLANDO, FL 32808-7620 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Mar 28, 2017 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 28, 2017 · Amount on Record |
| Deed Sale | Mar 28, 2017 · Amount on Record |
| Prior Sale | Jan 09, 2012 · Amount on Record |
| Deed Document Number | 2017047429 |
| Deed Book / Page | 5123 / 0607 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5581 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1317 EDGEWATER DR, ORLANDO, FL 32804-6350 |
| Document Number | 0061611986 |
|---|---|
| Date | Mar 02, 2022 |
| Book Page | 6161/1986 |
| Instrument | 2022033419 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 117 Months |
| Due | Dec 01, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 28, 2017 |
| Property Address | 5581 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854 |
| Document Number | 0051230607 |
| Book / Page | 5123 / 0607 |
| Map Reference | MB20 PG31-36 |
| Instrument Date | Mar 17, 2017 |
| Instrument | 2017047429 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5200 SILVER THISTLE LN, SAINT CLOUD, FL 34772-7096 |
| Document Number | 0051230609 |
|---|---|
| Date | Mar 28, 2017 |
| Instrument | 5123/0609 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,209.00 (+14.61%) | $290,800 (+7.58%) Land $75,000 Building $215,800 | $290,800 (+7.58%) Land $75,000 Building $215,800 |
| 2023 | $4,545.00 (+7.57%) | $270,300 (+3.17%) Land $60,000 Building $210,300 | $270,300 (+3.17%) Land $60,000 Building $210,300 |
| 2022 | $4,225.00 | $262,000 Land $55,000 Building $207,000 | $262,000 Land $55,000 Building $207,000 |
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
| 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 |
| Wildfire Risk | Moderate above 65% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 276 locations within half a mile of this property.
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 |
| 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.
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