5640 Silver Thistle Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5640 Silver Thistle Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,199 sqft · built 2011
Lot Size	0.151 acres (6,577 sqft)
Owner	Individual Name on Record
Last Sale	$164,940 (Jun 2012)
Tax Bill	$2,492 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0669-0001-3220`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0669-0001-3220`
Alternative APNs	`263023066900013220` `156120`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,199 sqft Living Area
Gross Area	2,823 sqft
1st Floor Area	1,052 sqft
Upper Floors Area	1,147 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	L-Shape
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,577 sqft (0.151 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5640 SILVER THISTLE LN
City	SAINT CLOUD
State	FL
Zip	34772-6851
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 322
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES UNIT 3A
Legal Tract	669
Legal Block	3220
Legal Lot Number	322
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 records, as of March 31, 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	5640 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 23, 2019	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2012 · Amount on Record
Deed Sale	Jun 11, 2012 · Amount on Record
Prior Sale	Dec 2, 2010 · Amount on Record
Deed Document Number	201288354
Deed Book / Page	4282 / 1307
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5640 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6851
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5640 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6851
Investor	Possibly a Property Investor

Mortgage

Document Number	0069402847
Date	Mar 20, 2026
Book Page	6940/2847
Instrument	2026037353

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5640 SILVER THISTLE LN, SAINT CLOUD, FL 34772-6851
Document Number	0056092638
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5640 SILVER THISTLE LN ST CLOUD FL 347726851, ST CLOUD, FL 34772-6851

Mortgage

Document Number	0056092638
Date	Oct 22, 2019
Book Page	005609/002638
Instrument	136632

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%

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	$2,492.00 (+3.66%) Homeowner's exemption	$182,119 (+5.99%)	$321,000 (+7%) Land $75,000 Building $246,000
2024	$2,404.00 (+2.96%)
2023	$2,335.00 (+3.92%) Homeowner's exemption	$171,833 (+3%)	$300,000 (+2.95%) Land $60,000 Building $240,000
2022	$2,247.00 Homeowner's exemption	$166,829	$291,400 Land $55,000 Building $236,400

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 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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