1220 N Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1220 N Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Residential Vacant Land
Details	2 bd · 2 ba · 1,644 sqft · built 1974
Lot Size	0.362 acres (15,769 sqft)
Owner	Individual Name on File
Tax Bill	$1,080 (2025)
Deeds & Mortgages	Nov 2022 Sale Jun 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`3525314400000A0020`

Property Details

APN / Parcel Number

Primary APN	`3525314400000A0020`
Alternative APN	`94587`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,644 sqft
1st Floor Area	1,644 sqft
Fireplaces	1 Fireplace
Fireplace	Masonry

Exterior

Year Built	Built 1974
Exterior Material	Concrete Block
Lot Area	15,769 sqft (0.362 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	338 sqft
Porch	Porch
Porch Area	645 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Package Unit

Location & Zoning

Account Number	94587
Street Address	1220 NORTH SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-9609
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	ORS3
Legal Description	REPLAT OF NEW EDEN UNIT 15 PB 1 PG 343 BLK A LOT 2
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	NEW EDEN ON LK 11&14
Legal Tract	4400
Legal Block	A
Legal Lot Number	2
Legal Unit	15
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1066
Census Tract	43700

Owner

1220 N Shore Dr, residential vacant land, is owned by an individual who acquired it in December 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	6815 OLD MELBOURNE HWY, SAINT CLOUD, FL 34771-7307
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC
Jun 27, 2022	Warranty Deed, Transfer · Balloon Mortgage LEONARD THOMPSON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022
Deed Sale	Dec 21, 2022
Prior Sale	Jun 27, 2022 · Amount on File
Deed Document Number	0063341382
Deed Book / Page	6315 / 1999
Prior Transfer Date	Nov 16, 2022
Prior Transfer Doc	2022166349
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 16, 2022
Property Address	1220 N SHORE DR, SAINT CLOUD, FL 34771-9609
Document Number	0063151999
Book / Page	6315 / 1999
Map Reference	MB 1 PG 343
Instrument Date	Nov 14, 2022
Instrument	2022166349
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5307 AMERSHAM LN, 5307, SAINT CLOUD, FL 34771-7675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6815 OLD MELBOURNE HWY, SAINT CLOUD, FL 34771-7307

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 27, 2022
Property Address	1220 N SHORE DR, SAINT CLOUD, FL 34771-9609
Document Number	0062401043
Book / Page	6240 / 1043
Map Reference	MB 1 PG 343
Instrument Date	Jun 23, 2022
Instrument	2022099553
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 ORANGE AVE, 115, SAINT CLOUD, FL 34769-2550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5307 AMERSHAM LN, SAINT CLOUD, FL 34771-7675

Mortgage

Document Number	0062401045
Date	Jun 27, 2022
Instrument	6240/1045

Lender

Name	LEONARD THOMPSON
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 23, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1220 N Shore Dr was $1,080.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,080.00	$78,000 Land $78,000	$78,000 Land $78,000
2023	$3,290.00 (+70.91%)	$191,100 (+28.53%) Land $78,000 Building $113,100	$191,100 (-13.92%) Land $78,000 Building $113,100
2022	$1,925.00 Homeowner's exemption Senior Citizen's exemption	$148,684	$222,000 Land $78,000 Building $144,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1220 N Shore Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 330 policies
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 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Wildfire risk around 1220 N Shore Dr is high, ranking above 77% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.6% 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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on N Shore Dr

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