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1381 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1381 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details5 bd · 3.5 ba · 4,494 sqft · built 2004
Lot Size4.78 acres (208,521 sqft)
OwnerIndividual Name on File
Last Sale$446,500 (Aug 2012)
Tax Bill$6,771 (2025)
Deeds & MortgagesMar 2026 Second Mortgage
Flood ZoneZone X (minimal risk)
APN19-25-31-4260-0001-0410

Property Details

APN / Parcel Number

Primary APN19-25-31-4260-0001-0410
Alternative APNs
  • 253119426000010410
  • 91374

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area4,494 sqft Living Area
Gross Area5,058 sqft
1st Floor Area2,312 sqft
Upper Floors Area2,182 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialConcrete Block
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area208,521 sqft (4.78 acres)
Garage TypeCarport
Garage Area240 sqft
CarportCarport
Carport Area240 sqft

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area655 sqft
PorchFinished/Open Porch
Porch Area324 sqft
Deck Area96 sqft
Patio Area1,524 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address1381 OAK SHORE DR
CitySAINT CLOUD
StateFL
Zip34771-8299
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAC
Legal DescriptionNARCOOSSEE PB 1 PGS 17-19 COM AT N/L OF JONES RD & E/L OF OAK SHORE DR, N 8 DEG E 1.954.61 FT TO POB; N 58 DEG E 64.92 FT, S 89 DEG E 504.02 FT, S 372.07 FT, E 363.44 FT, N 32 DEG E 471.34 FT, N 89 DEG W 1, 164.30 FT TO E R/W OAK SHORE DR, S 8 DEG W
Legal Range31E
Legal Township25S
Legal Section19
Legal SubdivisionNARCOOSSEE NEW MAP OF
Legal Tract4260
Legal Block410
Legal Lot Number41
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43600

Owner

1381 Oak Shore Dr is owned and occupied by an individual who acquired it in April 2013.

Source: Osceola County records, as of March 30, 2026

Owner of RecordIndividual Name on File
Mailing Address1381 OAK SHORE DR, SAINT CLOUD, FL 34771-8299
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 22, 2012 · Amount on File
Deed SaleAug 22, 2012 · Amount on File
Deed Document Number2012122764
Deed Book / Page4312 / 980
Last Transfer DateApr 19, 2013
Transfer Doc0044370504
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1381 OAK SHORE DR, SAINT CLOUD, FL 34771-8299
Transaction TypeMortgage
Record UpdatedMar 30, 2026
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1381 OAK SHORE DR, SAINT CLOUD, FL 34771-8299

Mortgage

Document Number0069391176
DateMar 18, 2026
Book Page6939/1176
Instrument2026035897
Lender
NameFAIRWINDS CU
TypeCredit Union
AddressORLANDO, FL 32826
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term120 Months
DueMar 16, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1381 Oak Shore Dr was $6,771 with a homeowner's exemption, up 4.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,771.00 (+4.36%) Homeowner's exemption$478,158$893,000 Land $176,400 Building $716,600
2024$6,488.00 (+2%)
2023$6,361.00 (+3.65%) Homeowner's exemption$451,149 (+3%)$857,100 (+12.87%) Land $158,700 Building $698,400
2022$6,137.00 Homeowner's exemption$438,009$759,400 Land $158,700 Building $600,700

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

Flood

FEMA maps place 1381 Oak Shore Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 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 1381 Oak Shore Dr is high, ranking above 72% 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 RiskHigh
above 72% of the US · above 55% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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