6331 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6331 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,883 sqft · built 2000
Lot Size	0.505 acres (21,997 sqft)
Owner	Individual Name on File
Last Sale	$303,000 (Nov 2020)
Tax Bill	$4,021 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`35-25-31-4435-0001-0040`

Property Details

APN / Parcel Number

Primary APN	`35-25-31-4435-0001-0040`
Alternative APNs	`253135443500010040` `94633`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,883 sqft Living Area
Gross Area	2,351 sqft
1st Floor Area	1,883 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,997 sqft (0.505 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	230 sqft
Porch	Finished/Open Porch
Porch Area	48 sqft
Deck Area	430 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6331 OAK SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-8642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	NOVA BAY II PB 11 PG 181 LOT 4
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	NOVA BAY 2
Legal Tract	4435
Legal Block	1
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2005
Census Tract	43700

Owner

6331 Oak Shore Dr is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	6331 OAK SHORE DR, SAINT CLOUD, FL 34771-8642
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

Date	Document
Nov 16, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Dec 9, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
May 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST DIRECT LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	Dec 9, 2019 · Amount on File
Deed Document Number	2020156642
Deed Book / Page	5833 / 2202
Prior Transfer Date	Dec 4, 2019
Prior Transfer Doc	0056361804
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 16, 2020
Property Address	6331 OAK SHORE DR, SAINT CLOUD, FL 34771-8642
Document Number	0058332202
Book / Page	5833 / 2202
Map Reference	MB 11 PG 181
Instrument Date	Nov 16, 2020
Instrument	2020156642
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,121.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11918 SILVERLAKE PARK DR, 11918, WINDERMERE, FL 34786-9466

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6331 OAK SHORE DR, SAINT CLOUD, FL 34771-8642

Mortgage

Document Number	0058332204
Date	Nov 16, 2020
Instrument	5833/2204

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 9, 2019
Property Address	6331 OAK SHORE DR, SAINT CLOUD, FL 34771-8642
Document Number	0056361804
Book / Page	5636 / 1804
Map Reference	MB 11 PG 181
Instrument Date	Dec 4, 2019
Instrument	2019158814
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9171 HALL RD, 9171, LAKELAND, FL 33809-6507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6331 OAK SHORE DR, SAINT CLOUD, FL 34771-8642

Mortgage

Document Number	0056361806
Date	Dec 9, 2019
Instrument	5636/1806

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6331 OAK SHORE DR, SAINT CLOUD, FL 34771-8642
Document Number	0051481743
Book / Page	005148 / 001743
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Jul 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6331 OAK SHORE DR ST CLOUD FL 347718642, ST CLOUD, FL 34771-8642

Mortgage

Document Number	0051481743
Date	May 15, 2017
Book Page	005148/001743
Instrument	71469

Lender

Name	FIRST DIRECT LNDG
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6331 Oak Shore Dr was $4,021 with a homeowner's exemption, up 5.1% 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	$4,021.00 (+5.1%) Homeowner's exemption	$279,670	$358,500 Land $75,000 Building $283,500
2024	$3,826.00 (+2.16%)
2023	$3,745.00 (+13.69%) Homeowner's exemption	$263,873 (+12.46%)	$302,400 (+22.43%) Land $60,000 Building $242,400
2022	$3,294.00 Homeowner's exemption	$234,634	$247,000 Land $60,000 Building $187,000

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

Flood

FEMA maps place 6331 Oak Shore Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 6331 Oak Shore Dr is moderate, ranking above 69% 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 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% 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	SHELTER COVE RESORT private · serves 187 people · EPA ID FL3491298
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

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.

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