1391 Shipwreck Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1391 Shipwreck Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Rural Improved / Non-Residential
Lot Size	0.057 acres (2,526 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,000 (Jan 2020)
Tax Bill	$648 (2025)
Deeds & Mortgages	Feb 2020 Sale Apr 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`93492`

Property Details

APN / Parcel Number

Primary APN	`93492`
Alternative APN	`342531498700010349`

Exterior

Lot Area	2,526 sqft (0.057 acres)

Location & Zoning

Account Number	93492
Street Address	1391 SHIPWRECK LN
City	SAINT CLOUD
State	FL
Zip	34771-7443
Property Category	Other
Property Type	Other > Rural Improved / Non-Residential
Local Zoning Code	OPUD
Legal Description	SHELTER COVE RESORT COND CB 1 PG 20 LOT 349
Legal Range	31E
Legal Township	25S
Legal Section	34
Legal Subdivision	SHELTER COVE
Legal Tract	4987
Legal Block	1
Legal Lot Number	349
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3040
Census Tract	43700

Owner

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	2 Individual Names on Record
Mailing Address	1391 SHIPWRECK LN, SAINT CLOUD, FL 34771-7443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2020	Warranty Deed, Transfer STEWART TITLE
Apr 3, 2018	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2020 · Amount on Record
Deed Sale	Jan 31, 2020 · Amount on Record
Deed Document Number	0005668553
Deed Book / Page	5668 / 553
Last Transfer Date	Feb 3, 2020
Transfer Doc	0056680553
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 3, 2020
Property Address	1391 SHIPWRECK LN, SAINT CLOUD, FL 34771-7443
Document Number	0056680553
Book / Page	005668 / 000553
Instrument Date	Jan 31, 2020
Instrument	16604
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$294.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1391 SHIPWRECK LN ST CLOUD FL 347717443, ST CLOUD, FL 34771-7443

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 3, 2018
Property Address	1391 SHIPWRECK LN, SAINT CLOUD, FL 34771-7443
Document Number	0053102474
Book / Page	005310 / 002474
Instrument Date	Apr 3, 2018
Instrument	52372
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$149.04
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1389 SHIPWRECK LN ST CLOUD FL 347717443, ST CLOUD, FL 34771-7443

Tax Assessment & Valuation

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	$648.00 (+27.56%)	$51,300 (+40.93%) Land $50,000 Building $1,300	$51,300 (+40.93%) Land $50,000 Building $1,300
2023	$508.00 (-0.39%)	$36,400 (-0.27%) Land $35,000 Building $1,400	$36,400 (-0.27%) Land $35,000 Building $1,400
2022	$510.00	$36,500 Land $35,000 Building $1,500	$36,500 Land $35,000 Building $1,500

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 78% of the US · above 67% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 163 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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