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6320 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6320 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,647 sqft · built 1995
Lot Size0.546 acres (23,783 sqft)
Owner2 Individual Names on File
Last Sale$275,000 (Dec 2013)
Tax Bill$4,683 (2025)
Deeds & MortgagesAug 2019 Mortgage
Flood ZoneZone AE (high risk)
APN35-25-31-0000-002B-0000

Property Details

APN / Parcel Number

Primary APN35-25-31-0000-002B-0000
Alternative APNs
  • 2531350000002B0000
  • 94454

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,647 sqft Living Area
Gross Area2,697 sqft
1st Floor Area1,733 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2000
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area23,783 sqft (0.546 acres)
Lot Dimensions1 ft deep x 102 ft wide
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool House160 sqft
PorchFlorida Room
Porch Area964 sqft
Deck Area212 sqft
Patio Area567 sqft
Shed1 Shed
Shed Area120 sqft
Boat AccessBoat Access
Boat House418 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address6320 OAK SHORE DR
CitySAINT CLOUD
StateFL
Zip34771-8641
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOR1A
Legal DescriptionFROM SW COR OF NE 1/4 RUN E 25 FT, N 551.72 FT, E 111.69 FT, N 39 DEG E 98.36 FT, S 40 DEG E 832.12 FT TO S/L NE 1/4 W 132.59 FT, N 40 DEG W 718.29 FT , W 116.39 FT TO ELY R/W LINE, N 10 FT TO POB ALSO EASMT 512/527 AKA TRACT 3
Legal Range31E
Legal Township25S
Legal Section35
Legal SubdivisionACREAGE & UNREC
Legal Tract3
Legal Block2B
Legal Lot Number2B
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2011
Census Tract43700

Owner

6320 Oak Shore Dr is owned and occupied by two individuals who bought it in December 2013.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address6320 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 18, 2013 · Amount on File
Deed SaleDec 18, 2013 · Amount on File
Prior SaleOct 4, 2013 · Amount on File
Deed Document Number2013197500
Deed Book / Page4547 / 989
Prior Transfer DateDec 18, 2012
Prior Transfer Doc0043712393
Record UpdatedJun 8, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6320 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Transaction TypeMortgage
Record UpdatedFeb 8, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055761569
DateAug 20, 2019
Book Page5576/1569
Instrument2019107929
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 6320 Oak Shore Dr was $4,683 with a homeowner's exemption, up 4.8% 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$4,683.00 (+4.84%) Homeowner's exemption$327,431$400,900 Land $107,800 Building $293,100
2024$4,467.00 (+2.1%)
2023$4,375.00 (+3.99%) Homeowner's exemption$308,936 (+3%)$395,900 (+11.74%) Land $107,800 Building $288,100
2022$4,207.00 Homeowner's exemption$299,938$354,300 Land $107,800 Building $246,500

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

Flood

FEMA maps place 6320 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation66.0 ft
Flood Insurance RequirementRequired
federally backed loans
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 6320 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 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 78 locations within half a mile, as of December 31, 2025

ProviderMax 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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