1362 S Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1362 S Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,009 sqft · built 2018
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (May 2018)
Tax Bill	$5,126 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`3525314390000C0020`

Property Details

APN / Parcel Number

Primary APN	`3525314390000C0020`
Alternative APN	`94522`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,009 sqft Heated Area
Gross Area	4,259 sqft
1st Floor Area	1,606 sqft
Upper Floors Area	1,403 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	170 ft deep x 60 ft wide
Garage Type	Finished
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	94522
Street Address	1362 SOUTH SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-9602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	NEW EDEN UNIT 13 PB 1 PG 333 BEG AT MOST NLY COR OF BLK C, SELY ALONG SOUTH SHORE DR 60 FT, SWLY PARALLEL TO W LINE OF BLK C
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	COON LAKE AREA
Legal Tract	4390
Legal Block	C,B
Legal Lot Number	14
Legal Unit	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43700

Owner

1362 S Shore Dr is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1362 SOUTH SHORE DR, SAINT CLOUD, FL 34771-9602
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
Apr 17, 2019	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Jan 8, 2019	Loan Modification, Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2018 · Amount on File
Deed Sale	May 2, 2018 · Amount on File
Prior Sale	Aug 15, 2013 · Amount on File
Deed Document Number	2018070099
Deed Book / Page	5327 / 0044
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1362 S SHORE DR, SAINT CLOUD, FL 34771-9602
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055081744
Date	Apr 17, 2019
Book Page	5508/1744
Instrument	2019048300

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 16, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1362 S SHORE DR, SAINT CLOUD, FL 34771-9602
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	LEADING EDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056841007
Date	Mar 3, 2020
Book Page	5684/1007
Instrument	2020030377

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2040

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1362 S SHORE DR, SAINT CLOUD, FL 34771-9602
Document Number	0054641636
Instrument Date	Jan 8, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1362 S SHORE DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	0054641636
Date	Jan 17, 2019
Book Page	005464/001636
Instrument	7235

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2049

Interest

Rate Type	Fixed Rate
Rate	5.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1362 S Shore Dr was $5,126 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	$5,126.00 Homeowner's exemption	$359,454	$495,400 Land $98,000 Building $397,400
2023	$4,797.00 (+3.9%) Homeowner's exemption	$339,150 (+3%)	$487,000 (+13.65%) Land $98,000 Building $389,000
2022	$4,617.00 Homeowner's exemption	$329,272	$428,500 Land $98,000 Building $330,500

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

Flood

FEMA maps place 1362 S 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 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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 1362 S Shore Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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