6310 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6310 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 1984
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Mar 2005)
Tax Bill	$3,927 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`3525310000002A0000`

Property Details

APN / Parcel Number

Primary APN	`3525310000002A0000`
Alternative APN	`94453`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Heated Area
Gross Area	2,700 sqft
1st Floor Area	1,632 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1989
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	1 ft deep x 102 ft wide
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	492 sqft
Deck Area	1,260 sqft
Shed	1 Shed
Shed Area	160 sqft
Boat Access	Boat Access
Boat House	380 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	94453
Street Address	6310 OAK SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-8641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR1A
Legal Description	FROM SW COR OF NE 1/4, E 25 FT, N 523 FT TO POB; N 18.21 FT, E 116.39 FT, S 40 DEG E 718.29 FT TO S/L NE 1/4, W 132.59 FT, N
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	COON LAKE AREA
Legal Block	2A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43700

Owner

6310 Oak Shore Dr is owned and occupied by two individuals who bought it in March 2005.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	6310 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Occupancy	Owner Occupied
Owner Type	Individual

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 Names	2 Names on Deed
Last Sale	Mar 28, 2005 · Amount on File
Deed Sale	Mar 28, 2005 · Amount on File
Prior Sale	Dec 20, 2004 · Amount on File
Deed Document Number	2005075023
Deed Book / Page	2740 / 0807
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6310 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6310 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

Mortgage

Document Number	0059190244
Date	Mar 24, 2021
Book Page	5919/244
Instrument	2021043610

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATION
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 10, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 6310 Oak Shore Dr was $3,927 with a homeowner's exemption.

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	$3,927.00 Homeowner's exemption	$272,902	$329,400 Land $107,800 Building $221,600
2023	$3,656.00 (+4.19%) Homeowner's exemption	$257,487 (+3%)	$325,900 (+10.7%) Land $107,800 Building $218,100
2022	$3,509.00 Homeowner's exemption	$249,988	$294,400 Land $107,800 Building $186,600

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

Flood

FEMA maps place 6310 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	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 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 6310 Oak Shore Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Shore Dr

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