1226 N Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1226 N Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,499 sqft · built 1958
Lot Size	0.567 acres (24,742 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Nov 2015)
Tax Bill	$4,016 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`3525314400000A0030`

Property Details

APN / Parcel Number

Primary APN	`3525314400000A0030`
Alternative APN	`94588`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,499 sqft Heated Area
Gross Area	2,495 sqft
1st Floor Area	1,499 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	24,742 sqft (0.567 acres)
Lot Dimensions	100 ft deep x 113 ft wide
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	16 sqft
Porch	Finished/Screened Porch
Porch Area	496 sqft
Deck Area	698 sqft
Patio Area	87 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	94588
Street Address	1226 NORTH SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	REPLAT OF NEW EDEN UNIT 15 PB 1 PG 343 BLK A LOTS 3, & N 37.4 FT OF LOT 4
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	3-4
Legal Unit	15
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1066
Census Tract	43700

Owner

1226 N Shore Dr is owned and occupied by two individuals who bought it in November 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 702308, SAINT CLOUD, FL 34770-2308
Occupancy	Owner Occupied
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
Oct 23, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 7, 2019	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2015 · Amount on File
Deed Sale	Nov 19, 2015 · Amount on File
Prior Sale	Jul 13, 2000
Deed Document Number	2015174340
Deed Book / Page	4875 / 0265
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1226 N SHORE DR, SAINT CLOUD, FL 34771-9609
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 N SHORE DR, SAINT CLOUD, FL 34771-9609

Mortgage

Document Number	0068691395
Date	Oct 23, 2025
Book Page	6869/1395
Instrument	2025131439

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1226 N SHORE DR, SAINT CLOUD, FL 34771-9609
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055691970
Date	Aug 7, 2019
Book Page	5569/1970
Instrument	2019101775

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1226 N Shore Dr was $4,016 with a homeowner's exemption.

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	$4,016.00 Homeowner's exemption	$279,327	$364,800 Land $93,600 Building $271,200
2023	$3,741.00 (+17.94%) Homeowner's exemption	$263,549 (+16.68%)	$357,200 (+31.08%) Land $93,600 Building $263,600
2022	$3,172.00 Homeowner's exemption	$225,875	$272,500 Land $93,600 Building $178,900

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

Flood

FEMA maps place 1226 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 1226 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)

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