6334 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6334 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,790 sqft · built 2005
Lot Size	0.579 acres (25,221 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Mar 2020)
Tax Bill	$7,344 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`35-25-31-0000-0020-0000`

Property Details

APN / Parcel Number

Primary APN	`35-25-31-0000-0020-0000`
Alternative APNs	`253135000000200000` `94443`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,790 sqft Living Area
Gross Area	4,547 sqft
1st Floor Area	1,770 sqft
Upper Floors Area	1,662 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Log
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,221 sqft (0.579 acres)
Lot Dimensions	1 ft deep x 102 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	1,056 sqft
Porch	Florida Room
Porch Area	539 sqft
Deck Area	72 sqft
Boat Access	Boat Access
Boat House	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	6334 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	BEG 25 FT E & 561.72 FT N OF SW COR OF NE 1/4, E 107.01 FT, N 40 DEG E 196.69 FT, S 41 DEG E 945.93 FT TO S/L OF NE 1/4, W 132.59 FT, N 41 DEG W 832.12 FT, S 40 DEG W 98.36 FT, W 111.69 FT, N 10 FT TO POB AKA TRACT 2
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	20
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43700

Owner

6334 Oak Shore Dr is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	6334 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

Date	Document
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK
Mar 4, 2020	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Mar 4, 2020	Quit Claim Deed CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2020 · Amount on File
Deed Sale	Mar 4, 2020 · Amount on File
Prior Sale	Jun 1, 2001 · Amount on File
Deed Document Number	202031774
Deed Book / Page	5685 / 2095
Prior Transfer Date	Feb 19, 2020
Prior Transfer Doc	0056852093
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6334 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6334 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

Mortgage

Document Number	0058192593
Date	Oct 26, 2020
Book Page	5819/2593
Instrument	2020144941

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 4, 2020
Property Address	6334 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0056852095
Book / Page	5685 / 2095
Instrument Date	Mar 2, 2020
Instrument	2020031774
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	241 NILSON WAY, 241, ORLANDO, FL 32803-6427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6334 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

Mortgage

Document Number	0056852097
Date	Mar 4, 2020
Instrument	5685/2097

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

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

March 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 4, 2020
Property Address	6334 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0056852093
Book / Page	005685 / 002093
Instrument Date	Feb 19, 2020
Instrument	31773
Record Updated	May 26, 2020
Title Company	CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6334 OAK SHORE DR ST CLOUD FL 347718641, ST CLOUD, FL 34771-8641

Tax Assessment & Valuation

The 2025 property tax bill for 6334 Oak Shore Dr was $7,344 with exemptions applied, 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	$7,344.00 (+4.29%) Homeowner's exemption Disabled Person's exemption	$524,538	$579,900 Land $107,800 Building $472,100
2024	$7,042.00 (+2.03%)
2023	$6,902.00 (+2.65%) Homeowner's exemption Disabled Person's exemption	$494,909 (+3%)	$573,600 (+11.88%) Land $107,800 Building $465,800
2022	$6,724.00 Homeowner's exemption Disabled Person's exemption	$480,495	$512,700 Land $107,800 Building $404,900

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

Flood

FEMA maps place 6334 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 6334 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

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