Osceola County property record for 1232 N Shore Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,432 sqft · built 1973 |
| Lot Size | 0.439 acres (19,123 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $475,000 (Oct 2007) |
| Tax Bill | $6,141 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 3525314400000A0040 |
| Primary APN | 3525314400000A0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,432 sqft Heated Area |
| Gross Area | 3,993 sqft |
| 1st Floor Area | 1,412 sqft |
| Upper Floors Area | 408 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,123 sqft (0.439 acres) |
| Lot Dimensions | 100 ft deep x 91 ft wide |
| Garage Type | Unfinished |
| Garage Area | 377 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 666 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 460 sqft |
| Deck Area | 885 sqft |
| Patio Area | 274 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Boat House | 432 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 94589 |
|---|---|
| Street Address | 1232 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 S 37.5 FT OF LOT 4 & N 52.5 FT OF LOT 5 & ELY 185.8FT OF SLY 1.6 FT OF NLY 54.1 |
| 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 | 4-5 |
| Legal Unit | 15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 43700 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Mailing Address | 1232 NORTH SHORE DR, SAINT CLOUD, FL 34771-9609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2007 · Amount on Record |
| Deed Sale | Oct 19, 2007 · Amount on Record |
| Prior Sale | Feb 3, 2006 · Amount on Record |
| Deed Document Number | 2007189222 |
| Deed Book / Page | 3581 / 1562 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1232 N SHORE DR, SAINT CLOUD, FL 34771-9609 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057670240 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 5767/240 |
| Instrument | 2020100987 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,141.00 (+4.07%) Homeowner's exemption Senior Citizen's exemption | $444,800 (+3.39%) Land $78,000 Building $366,800 | $444,800 (+3.39%) Land $78,000 Building $366,800 |
| 2023 | $5,901.00 (+10.36%) Homeowner's exemption Senior Citizen's exemption | $430,200 (+24.59%) Land $78,000 Building $352,200 | $430,200 (+24.59%) Land $78,000 Building $352,200 |
| 2022 | $5,347.00 | $345,300 Land $78,000 Building $267,300 | $345,300 Land $78,000 Building $267,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
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 |
| 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.
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 |
5G and 4G LTE (outdoors only)
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