997 Silverbell Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 997 Silverbell Trl, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,720 sqft · built 2023
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$389,990 (Sep 2023)
Tax Bill	$5,545 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`222531475100012500`

Property Details

APN / Parcel Number

Primary APN	`222531475100012500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,720 sqft Heated Area
Gross Area	2,245 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.119 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	997 SILVERBELL TRL
City	SAINT CLOUD
State	FL
Zip	34771-7819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE OAKS PB 31 PGS 166-172 LOT 250
Legal Lot Number	250
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43700

Owner

Source: Osceola County records · APN 222531475100012500

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
Co-owner	Verified Secondary Owner
Mailing Address	997 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 05, 2023 · Amount on Record
Deed Sale	Sep 05, 2023 · Amount on Record
Deed Document Number	2023116571
Deed Book / Page	6469 / 96
Record Updated	Jun 08, 2026

September 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 05, 2023
Property Address	997 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819
Document Number	0064690096
Book / Page	6469 / 96
Map Reference	MB 31 PG 166-172
Instrument Date	Aug 31, 2023
Instrument	2023116571
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 SILVERBELL TRL, SAINT CLOUD, FL 34771-7819

Mortgage

Document Number	0006469100
Date	Sep 05, 2023
Instrument	6469/100

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$5,545.00 (+429.61%)	$348,800 (+365.07%) Land $75,000 Building $273,800	$348,800 (+365.07%) Land $75,000 Building $273,800
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Boston Omaha	Fiber	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.