5611 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5611 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 2012
Lot Size	0.135 acres (5,881 sqft)
Owner	Individual Name on Record
Last Sale	$146,440 (Sep 2012)
Tax Bill	$2,227 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Aug 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`156201`

Property Details

APN / Parcel Number

Primary APN	`156201`
Alternative APN	`232630066900014030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,760 sqft Heated Area
Gross Area	2,290 sqft
1st Floor Area	1,760 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	5,881 sqft (0.135 acres)
Lot Dimensions	110 ft deep x 53 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	130 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156201
Street Address	5611 SILVER THISTLE LN
City	SAINT CLOUD
State	FL
Zip	34772-6852
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 403
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES
Legal Tract	669
Legal Block	1
Legal Lot Number	403
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
Mailing Address	5611 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Aug 7, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2012 · Amount on Record
Deed Sale	Sep 14, 2012 · Amount on Record
Prior Sale	Dec 2, 2010 · Amount on Record
Deed Document Number	2012135347
Deed Book / Page	4323 / 1559
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5611 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6852
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5611 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6852

Mortgage

Document Number	0063751153
Date	Mar 23, 2023
Book Page	6375/1153
Instrument	2023033315

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

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

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5611 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6852
Document Number	0058142722
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5611 SILVER THISTLE LN ST CLOUD FL 347726852, ST CLOUD, FL 34772-6852

Mortgage

Document Number	0058142722
Date	Oct 19, 2020
Book Page	005814/002722
Instrument	140548

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Oct 18, 2043

Interest

Rate	3.5%

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	$2,227.00 (+6.91%) Homeowner's exemption	$167,295 (+5.99%)	$299,300 (+7.31%) Land $75,000 Building $224,300
2023	$2,083.00 (+4.05%) Homeowner's exemption	$157,846 (+3%)	$278,900 (+3.14%) Land $60,000 Building $218,900
2022	$2,002.00 Homeowner's exemption	$153,249	$270,400 Land $55,000 Building $215,400

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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