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Overview

3 bd2 ba1,557 sqft2 car garageSingle Family
TypeSingle Family
HOA$550/yr
Built2013
Lot5,532 sqft
Living area1,557 sqft
Price / sqft$215
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Walk-in Closet(s)DishwasherMicrowaveRangeRefrigerator

5590 Silver Thistle Ln is a 2013-built home in Southern Pines Unit 3a, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,557 square feet of living space. Listed at $335,000 (about $215/sqft), 57 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $550 annually.

From the listing

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!

The essentials

Built
2013
Price / sqft
$215
On market
57 days
Annual tax
$2,169
HOA
$550/yr
Flood zone
X · Low risk
Lot
5,532 sqft
Type
Single Family Residence

At a glance

Single family
Built 2013
2 car garage
5,532 sqft lot
Lot size
1,557 sqft
Living area

Payment

Est. monthly payment
$2,141/mo
Down payment (20%)
$67,000
Property taxes
$181/mo
HOA
$550/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2013
Lot
5,532 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
57
Ceiling Fans(s)
Walk-in Closet(s)
Dishwasher
Microwave
Range
Refrigerator
Elementary
Michigan Avenue Elem (K 5)
Middle
St. Cloud Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,169
Parcel #
23-26-30-0669-0001-3170

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Southern Pines Unit 3a
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
5,532 sqft
HOA
$550/yr
Southern Pines - Leland Managenent

Price history

Date
Event
Price
8/18/2026
Listed for sale
Source: Stellar MLS #S5155959
$335,000
$215/sqft

Neighborhood

5590 Silver Thistle Ln
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $335,000
$332,500 – $335,000
99.5% – 100% of listTops out right at the list price
80% of listList price
236 of the last 382 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 57.

Sample: 382 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,141/mo
Principal & interest$1,747
Property taxes$181
Insurance$168
HOA$46
Down payment20% · $67,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$335,000

$215 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,557 sq ft

Time on market

57 days

Year built

2013

Monthly payment

About $2,141/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,169 annual tax bill, insurance, and the $550/yr HOA fee.

HOA fee

$550/yr

Managed by Southern Pines - Leland Managenent.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byLA ROSA REALTY KISSIMMEEListing agent: Claudia Panameno AhmadyListing data from Stellar MLS, MLS# S5155959.

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