5590 SILVER THISTLE LANE, ST CLOUD, FL, 34772
Active31 days on marketListed Aug 20, 2026MLS #S5155959
About this home
5590 SILVER THISTLE LANE
Welcome to 5590 Silver, offered at $335,000. This property features 3 bedrooms, 2 bathrooms, and 1,557 sq. ft. of living space with a functional and versatile floor plan. INTERIOR: Spacious living area, dining area, tile flooring, and an additional flex space that can be used as a formal dining room, home office, or customized to fit different needs. KITCHEN: Functional kitchen with breakfast bar, dark cabinetry, stainless steel appliances, and an open connection to the main living area. OWNER’S SUITE: Features a private bathroom, tile flooring, and natural light. INTERIOR PAINT: The owner’s suite, one additional bedroom, and both bathrooms were painted within the last two months, with other select areas painted approximately three years ago. BACKYARD: Spacious and fully fenced, offering plenty of outdoor space. GARAGE: Attached 2-car garage. ROOF: Replaced in 2019. A/C & WATER HEATER: Both from 2013. APPLIANCES: Most appliances are from 2013, with the range/stove from 2014. LOCATION: Located in the growing St. Cloud area with convenient access to nearby schools, shopping, dining, grocery stores, medical services, and major roadways. Enjoy convenient access to the expanding residential, commercial, and recreational amenities throughout St. Cloud. GOLF ACCESS: Southern Pines offers convenient access from the community to St. Cloud Royal Links Golf Course, with a community entrance connecting to the same roadway leading to the public golf course. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,557
Sqft
0.13 ac
Lot size
2
Garage
2013
Year built
One
Levels
$215
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,507 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,507/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.7%
$/sqft vs St Cloud actives
$215 vs $217
Days on market
31 vs 47 typical
Where $215/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
243 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5590 SILVER THISTLE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$335,000
5450 SILVER THISTLE LANE · same community
3 bd · 2 ba · 1,545 sqft · $217/sqft · 2 DOM
Sold · Apr ’26$335,000
5121 GULF STURGEON LANE · same community
3 bd · 2 ba · 1,450 sqft · $231/sqft · 10 DOM
Sold · Jul ’26$275,000
4881 WINDBOURNE WAY · same community
3 bd · 2 ba · 1,760 sqft · $156/sqft · 52 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5590 SILVER THISTLE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5590 SILVER THISTLE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5590 SILVER THISTLE LANE FAQs
What would the monthly payment be for 5590 SILVER THISTLE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,507/mo — principal and interest, the actual property-tax bill, the $46/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 5590 SILVER THISTLE LANE?+
The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5590 SILVER THISTLE LANE?+
The most recent tax bill on record (2025) was $2,169. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5590 SILVER THISTLE LANE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $335,000, this home is listed about 22% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5590 SILVER THISTLE LANE?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY KISSIMMEE · Claudia Panameno Ahmady. MLS #S5155959.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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