5591 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5591 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,984 sqft · built 2011
Lot Size	0.126 acres (5,532 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jun 2021)
Tax Bill	$5,648 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`156203`

Property Details

APN / Parcel Number

Primary APN	`156203`
Alternative APN	`232630066900014050`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,984 sqft Heated Area
Gross Area	3,504 sqft
1st Floor Area	1,340 sqft
Upper Floors Area	1,644 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Patio Area	220 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	156203
Street Address	5591 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 405
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES
Legal Tract	669
Legal Block	1
Legal Lot Number	405
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 December 11, 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 Record
Co-owner	2 Co-owners on Record
Mailing Address	5591 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 24, 2021	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
May 11, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Aug 31, 2017	Grant Deed LA ROSA TITLE LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	May 11, 2017 · Amount on Record
Deed Document Number	2021099274
Deed Book / Page	5988 / 2196
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5591 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5591 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854

Mortgage

Document Number	0069101671
Date	Jan 21, 2026
Book Page	6910/1671
Instrument	2026008387

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 24, 2021
Property Address	5591 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854
Document Number	0059882196
Book / Page	5988 / 2196
Map Reference	MB 20 PG 31-36
Instrument Date	Jun 9, 2021
Instrument	2021099274
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 17043, ASHEVILLE, NC 28816-7043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5591 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854

Mortgage

Document Number	59882198
Date	Jun 24, 2021
Instrument	5988/2198

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 11, 2017
Property Address	5591 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854
Document Number	0051462157
Book / Page	005146 / 002157
Instrument Date	May 5, 2017
Instrument	69646
Transaction Type	Transfer
Record Updated	Jun 28, 2017
Title Company	LA ROSA TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,673.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12730 ALEGUAS LN ORLANDO FL 328252744, ORLANDO, FL 32825-2744

Mortgage

Document Number	51462159
Date	May 11, 2017
Book Page	005146/002159
Instrument	69647

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2047

August 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 31, 2017
Property Address	5591 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6854
Document Number	0052030932
Book / Page	005203 / 000932
Instrument Date	May 5, 2017
Instrument	126235
Record Updated	Oct 5, 2017
Title Company	LA ROSA TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,673.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12730 ALEGUAS LN ORLANDO FL 328252744, ORLANDO, FL 32825-2744

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	$5,648.00 (+5.95%) Homeowner's exemption	$358,448 (+5.99%)	$360,300 (+6.53%) Land $75,000 Building $285,300
2023	$5,331.00 (+3.09%) Homeowner's exemption	$338,200 (+2.77%) Land $60,000 Building $278,200	$338,200 (+2.77%) Land $60,000 Building $278,200
2022	$5,171.00 Homeowner's exemption	$329,100 Land $55,000 Building $274,100	$329,100 Land $55,000 Building $274,100

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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