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6174 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6174 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,931 sqft · built 2004
Lot Size0.505 acres (21,997 sqft)
OwnerCompany Name on File
Last Sale$270,000 (Jan 2019)
Tax Bill$3,969 (2024)
Deeds & MortgagesMay 2020 Mortgage
Jan 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN35-25-31-4437-0001-0110

Property Details

APN / Parcel Number

Primary APN35-25-31-4437-0001-0110
Alternative APNs
  • 253135443700010110
  • 94666

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,931 sqft Living Area
Gross Area2,899 sqft
1st Floor Area1,931 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,997 sqft (0.505 acres)
Lot Dimensions220 ft deep x 100 ft wide
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area40 sqft
PorchFinished/Open Porch
Porch Area485 sqft
Deck Area637 sqft
Shed1 Shed
Shed Area260 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address6174 OAK SHORE DR
CitySAINT CLOUD
StateFL
Zip34771-8737
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionNOVA BAY IV PB 12 PG 101 LOT 11
Legal Range31E
Legal Township25S
Legal Section35
Legal SubdivisionNOVA BAY 4
Legal Tract4437
Legal Block110
Legal Lot Number11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2004
Census Tract43700

Owner

6174 Oak Shore Dr is owned by a company that acquired it in May 2020.

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

Owner of RecordCompany Name on File
Owner TypeCompany

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

DateDocument
May 14, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
SUMMIT MORTGAGE CORP
Jan 3, 2019Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE FIRM

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 3, 2019 · Amount on File
Deed SaleJan 3, 2019 · Amount on File
Prior SaleJun 16, 2014 · Amount on File
Deed Document Number2019940
Deed Book / Page5458 / 919
Last Transfer DateMay 4, 2020
Transfer Doc0057220630
Record UpdatedJun 8, 2026

May 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMay 14, 2020
Property Address6174 OAK SHORE DR, SAINT CLOUD, FL 34771-8737
Document Number0057220630
Book / Page5722 / 630
Map ReferenceMB 12 PG 101
Instrument DateMay 4, 2020
Instrument2020064060
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyISLAND TITLE SERVICES INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address6174 OAK SHORE DR, MAGNOLIA SQ, FL 34771-8737

Mortgage

Document Number0005722631
DateMay 14, 2020
Instrument5722/631
Lender
NameSUMMIT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2050

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 3, 2019
Property Address6174 OAK SHORE DR, SAINT CLOUD, FL 34771-8737
Document Number0054580919
Book / Page005458 / 000919
Instrument DateJan 3, 2019
Instrument940
Transaction TypeTransfer
Record UpdatedJan 17, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6174 OAK SHORE DR ST CLOUD FL 347718737, ST CLOUD, FL 34771-8737

Mortgage

Document Number54580921
DateJan 3, 2019
Book Page005458/000921
Instrument941
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 2, 2049

Tax Assessment & Valuation

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
2024$3,969.00 (+2.14%)$388,700 (+18.25%) Land $75,000 Building $313,700
2023$3,886.00 (+4.13%) Homeowner's exemption$273,915 (+3%)$328,700 (+11.39%) Land $60,000 Building $268,700
2022$3,732.00 Homeowner's exemption$265,937$295,100 Land $60,000 Building $235,100

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

Flood

FEMA maps place 6174 Oak Shore Dr in Zone X, an area of minimal flood risk, though there have been 5 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 79 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies79 in force
Nearby Flood Claims5 (1994–2017)
Claims Outside the SFHA1 of 5
Most Recent ClaimSep 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 6174 Oak Shore Dr is high, ranking above 81% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire RiskHigh
above 81% of the US · above 71% of Florida
Wildfire Likelihood0.4% 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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35

May also be available: CenturyLink, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Shore Dr

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