Osceola County property record for 985 Silverbell Trl, Saint Cloud, FL 34771 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2023 |
| Square Footage | 2,308 sqft Living Area |
| Lot Size | 5,227 sqft (0.12 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $440,990 (2023) |
| Tax Bill | $5,771.00 (2025) |
| Primary APN | 22-25-31-4751-0001-2510 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,308 sqft Living Area |
| Gross Area | 2,956 sqft Gross Area |
| 1st Floor | 938 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Type | Attached Garage |
| Garage Area | 482 sqft Garage |
| Porch Area | 96 sqft Porch |
| Heating System | HVAC Heating |
|---|
| Street Address | 985 SILVERBELL TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7819 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE OAKS PB 31 PGS 166-172 LOT 251 |
| Legal Subdivision | PRAIRIE OAKS |
| Legal Lot Number | 251 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1038 |
| Census Tract | 43700 |
Source: Osceola County records · APN 22-25-31-4751-0001-2510
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 985 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NONE LISTED ON DOCUMENT |
| May 13, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Oct 17, 2023 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage DHI MORTGAGE COMPANY LTD |
| Jul 13, 2022 | Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 17, 2023 · Amount on Record |
| Deed Sale | Oct 17, 2023 · Amount on Record |
| Deed Doc Number | 2023136374 |
| Deed Book / Page | 6490 / 2126 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 14, 2026 |
| Property Address | 985 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819 |
| Document Number | 0000092169 |
| Book / Page | 7003 / 2502 |
| Instrument Date | Jun 19, 2026 |
| Instrument | 202692169 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 985 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819 |
| Document Number | 0000092169, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 7003/2502 |
| Instrument | 202692169 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Nov 01, 2053 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 985 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 985 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819 |
| Document Number | 0067870222 |
|---|---|
| Date | May 13, 2025 |
| Book Page | 6787/222 |
| Instrument | 2025060391 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Nov 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 17, 2023 |
| Property Address | 985 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819 |
| Document Number | 0064902126 |
| Book / Page | 6490 / 2126 |
| Map Reference | MB 31 PG 166-172 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 2023136374 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,087.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Address | 985 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819 |
| Document Number | 0064902129 |
|---|---|
| Date | Oct 17, 2023 |
| Instrument | 6490/2129 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2022 |
| Property Address | 985 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819 |
| Document Number | 0062502966 |
| Book / Page | 6250 / 2966 |
| Map Reference | MB 31 PG 167 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022108483 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $66,920.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016 |
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,771.00 (+451.19%) | $406,000 (+441.33%) Land $75,000 Building $331,000 | $406,000 (+441.33%) Land $75,000 Building $331,000 |
| 2023 | $1,047.00 (+114.11%) | $75,000 (+114.29%) Land $75,000 | $75,000 (+114.29%) Land $75,000 |
| 2022 | $489.00 | $35,000 Land $35,000 | $35,000 Land $35,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | High above 84% of the US · above 76% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 96 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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