1245 N Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1245 N Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,214 sqft · built 1958
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,500 (Jan 2020)
Tax Bill	$2,399 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-25-31-4400-0001-0230`

Property Details

APN / Parcel Number

Primary APN	`35-25-31-4400-0001-0230`
Alternative APNs	`253135440000010230` `94530`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,214 sqft Living Area
Gross Area	1,346 sqft
1st Floor Area	950 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Shed Roof
Roof Material	Built-Up Asphalt
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	312 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1245 N SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-9488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	NEW EDEN ON THE LAKE REPLAT UN 15 PB 1 PG 343 LOTS 21 THRU 25
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	NEW EDEN ON THE LAKES UNIT 15 REPLAT
Legal Tract	4400
Legal Block	1
Legal Lot Number	23
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1067
Census Tract	43700

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	1245 N SHORE DR, SAINT CLOUD, FL 34771-9488
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage COGENT BANK
Jan 30, 2020	Warranty Deed, Transfer MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Dec 11, 2003 · Amount on Record
Deed Document Number	202014900
Deed Book / Page	5666 / 912
Last Transfer Date	Dec 30, 2021
Transfer Doc	0061231040
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 6, 2022
Property Address	1245 N SHORE DR, SAINT CLOUD, FL 34771-9488
Document Number	0061231040
Book / Page	6123 / 1040
Map Reference	MB 1 PG 343
Instrument Date	Dec 30, 2021
Instrument	2022002889
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1245 NORTH SHORE DR, SAINT CLOUD, FL 34771-9488

Mortgage

Document Number	0061231042
Date	Jan 6, 2022
Instrument	6123/1042

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2020
Property Address	1245 N SHORE DR, SAINT CLOUD, FL 34771-9488
Document Number	0056660912
Book / Page	005666 / 000912
Instrument Date	Jan 29, 2020
Instrument	14900
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,418.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1245 N SHORE DR ST CLOUD FL 347719488, ST CLOUD, FL 34771-9488

Mortgage

Document Number	56660913
Date	Jan 30, 2020
Book Page	005666/000913
Instrument	14901

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,399.00 (+6.39%) Homeowner's exemption	$162,590 (+5.99%)	$187,100 (+4.76%) Land $35,000 Building $152,100
2024	$2,255.00 (+2.36%)
2023	$2,203.00 (+5.1%) Homeowner's exemption	$153,406 (+3%)	$178,600 (+14.05%) Land $30,000 Building $148,600
2022	$2,096.00 Homeowner's exemption	$148,938	$156,600 Land $30,000 Building $126,600

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

Flood

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	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

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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