1380 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1380 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,560 sqft · built 2003
Lot Size	1.12 acres (48,874 sqft)
Owner	2 Trust Names on File
Last Sale	$112,000 (Nov 2016)
Tax Bill	$5,202 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jul 2020 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`19-25-31-4455-0001-0200`

Property Details

APN / Parcel Number

Primary APN	`19-25-31-4455-0001-0200`
Alternative APNs	`253119445500010200` `91396`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	3,650 sqft
1st Floor Area	2,098 sqft
Upper Floors Area	462 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,874 sqft (1.12 acres)
Lot Dimensions	155 ft deep x 139 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	670 sqft
Deck Area	432 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1380 OAK SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-7863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	OAK SHORE ESTATES PB 2 PG 044 LOT 20 & VAC LAKE AVE ABUTTING LOT 20
Legal Range	31E
Legal Township	25S
Legal Section	19
Legal Subdivision	OAK SHORE ESTATES
Legal Tract	4455
Legal Block	200
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

1380 Oak Shore Dr is owner-occupied and held in a trust since June 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	1380 OAK SHORE DR, SAINT CLOUD, FL 34771-7863
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 12, 2024	Deed of Trust, Mortgage · Line of Credit NEXA MORTGAGE LLC
Jul 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 1, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2016 · Amount on File
Deed Sale	Nov 14, 2016 · Amount on File
Prior Sale	May 9, 2006 · Amount on File
Deed Document Number	2016170002
Deed Book / Page	5055 / 95
Last Transfer Date	Jun 17, 2020
Transfer Doc	0057541123
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1380 OAK SHORE DR, SAINT CLOUD, FL 34771-7863
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1380 OAK SHORE DR, SAINT CLOUD, FL 34771-7863

Mortgage

Document Number	0065330542
Date	Jan 12, 2024
Book Page	6533/542
Instrument	2024004939

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85226

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 2, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 14, 2020
Property Address	1380 OAK SHORE DR, SAINT CLOUD, FL 34771-7863
Document Number	0057541123
Book / Page	005754 / 001123
Instrument Date	Jun 17, 2020
Instrument	91514
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1380 OAK SHORE DR ST CLOUD FL 347717863, ST CLOUD, FL 34771-7863

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 1, 2017
Property Address	1380 OAK SHORE DR, SAINT CLOUD, FL 34771-7863
Document Number	0052462052
Book / Page	005246 / 002052
Instrument Date	Oct 30, 2017
Instrument	170368
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1380 OAK SHORE DR ST CLOUD FL 347717863, ST CLOUD, FL 34771-7863

Tax Assessment & Valuation

The 2025 property tax bill for 1380 Oak Shore Dr was $5,202 with a homeowner's exemption, up 5.2% from the year before.

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	$5,202.00 (+5.24%) Homeowner's exemption	$364,931	$644,300 Land $362,500 Building $281,800
2024	$4,943.00 (+2.06%)
2023	$4,843.00 (+3.9%) Homeowner's exemption	$342,436 (+3%)	$589,700 (+48.24%) Land $362,500 Building $227,200
2022	$4,661.00 Homeowner's exemption	$332,463	$397,800 Land $137,500 Building $260,300

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

Flood

FEMA maps place 1380 Oak 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	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 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 1380 Oak Shore Dr is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Xfinity.

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