3355 Westshore Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3355 Westshore Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,487 sqft · built 2005
Lot Size	2.22 acres (97,095 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Apr 2026)
Tax Bill	$7,040 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2026 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`29-26-31-4950-0001-0533`

Property Details

APN / Parcel Number

Primary APN	`29-26-31-4950-0001-0533`
Alternative APNs	`263129495000010533` `124226`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,487 sqft Living Area
Gross Area	4,231 sqft
1st Floor Area	2,487 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	97,095 sqft (2.22 acres)
Lot Dimensions	200 ft deep x 220 ft wide
Garage Type	Attached
Garage Area	872 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	487 sqft
Porch	Finished/Open Porch
Porch Area	872 sqft
Deck Area	998 sqft
Boat Access	Boat Access
Boat House	500 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3355 WESTSHORE DR
City	SAINT CLOUD
State	FL
Zip	34772-7518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 51 BEG AT NW COR LOT 54, S 88 DEG E 1042.88 FT MOL TO WATERS EDGE OF ALLIGATOR LAKE, SWLY ALONG WATERS EDGE TO A PT 150 FT N OF THE S/L OF LOT 53, N 88 DEG W 187 FT MOL, S 84 DEG W 185.88 FT, S 85 DEG W 118.27 FT, N 88 DEG W 42.01 F
Legal Range	31E
Legal Township	26S
Legal Section	29
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	533
Legal Lot Number	54
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

3355 Westshore Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Osceola County records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3355 WESTSHORE DR, SAINT CLOUD, FL 34772-7518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK
Apr 20, 2026	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS
Apr 20, 2026	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS
Jul 15, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2026 · Amount on File
Deed Sale	Apr 20, 2026 · Amount on File
Prior Sale	Jul 15, 2020 · Amount on File
Deed Document Number	202652146
Deed Book / Page	6958 / 1146
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 18, 2026
Property Address	3355 WESTSHORE DR, SAINT CLOUD, FL 34772-7518
Document Number	0000079872
Book / Page	6989 / 1996
Instrument Date	May 27, 2026
Instrument	202679872
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3355 WESTSHORE DR, SAINT CLOUD, FL 34772-7518

Mortgage

Document Number	0000079872,
Date	Jun 18, 2026
Book Page	6989/1996
Instrument	202679872

Lender

Name	SOUTH STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 20, 2031

Interest

Rate	6.3%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2026
Property Address	3355 WESTSHORE DR, SAINT CLOUD, FL 34772-7518
Document Number	0000052146
Book / Page	6958 / 1146
Instrument Date	Apr 17, 2026
Instrument	2026.52146
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transaction

Amount	Amount on Record
Tax	$777,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3355 WESTSHORE DR, SAINT CLOUD, FL 34772-7518

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2026
Property Address	3355 WESTSHORE DR, SAINT CLOUD, FL 34772-7518
Document Number	0069581146
Book / Page	6958 / 1146
Instrument Date	Apr 17, 2026
Instrument	202652146
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transaction

Amount	Amount on Record
Tax	$777,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3355 WESTSHORE DR, SAINT CLOUD, FL 34772-7518

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2020
Property Address	3355 WESTSHORE DR, SAINT CLOUD, FL 34772-7518
Document Number	0057541929
Book / Page	005754 / 001929
Instrument Date	Jul 14, 2020
Instrument	91770
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3355 WESTSHORE DR ST CLOUD FL 347727518, ST CLOUD, FL 34772-7518

Mortgage

Document Number	57541932
Date	Jul 15, 2020
Book Page	005754/001932
Instrument	91771

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 14, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3355 Westshore Dr was $7,040 with a homeowner's exemption, up 4.3% 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	$7,040.00 (+4.31%) Homeowner's exemption	$497,591	$589,500 Land $217,800 Building $371,700
2024	$6,749.00 (+1.99%)
2023	$6,617.00 (+3.62%) Homeowner's exemption	$469,484 (+3%)	$580,800 (+8.72%) Land $217,800 Building $363,000
2022	$6,386.00 Homeowner's exemption	$455,810	$534,200 Land $217,800 Building $316,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3355 Westshore 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 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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 3355 Westshore Dr is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% 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	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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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