6358 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6358 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,297 sqft · built 2008
Lot Size	0.947 acres (41,251 sqft)
Owner	2 Individual Names on File
Last Sale	$1,180,600 (Aug 2026)
Tax Bill	$14,606 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`35-25-31-0000-0027-0000`

Property Details

APN / Parcel Number

Primary APN	`35-25-31-0000-0027-0000`
Alternative APNs	`253135000000270000` `94450`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,297 sqft Living Area
Gross Area	8,106 sqft
1st Floor Area	3,239 sqft
Upper Floors Area	2,058 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete Block/Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,251 sqft (0.947 acres)
Lot Dimensions	1 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	966 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	643 sqft
Deck Area	190 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	6358 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 SEC 35-25-31, RUN E 25 FT, N & // W LINE 1216.87 FT, N 51 DEG 34 MIN E 182.40 FT TO POB, CONT SAME BEARING 10.04 FT, S 33 DEG 12 MIN E 405.81 FT, N 56 DEG 48 MIN E 160.38 FT, S 33 DEG 11 MIN E 20 FT, S 35 DEG 04 MIN E 1311.27 FT
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	ACREAGE & UNREC
Legal Tract	F
Legal Block	27
Legal Lot Number	27
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43700

Owner

6358 Oak Shore Dr is owned and occupied by two individuals who bought it in August 2026.

Source: Osceola County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6358 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
Aug 6, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Jul 31, 2019	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2026 · Amount on File
Deed Sale	Aug 6, 2026 · Amount on File
Prior Sale	Apr 2, 2024 · Amount on File
Deed Document Number	2026102594
Deed Book / Page	7015 / 2432
Prior Transfer Date	Dec 18, 2015
Prior Transfer Doc	0048972001
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 6, 2026
Property Address	6358 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0000102594
Book / Page	7015 / 2432
Instrument Date	Aug 3, 2026
Instrument	2026102594
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	SUNBELT TITLE COMPANY, SUNBELT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834,684.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6358 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

Mortgage

Document Number	0000102595,
Date	Aug 6, 2026
Instrument	2026102595

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6358 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6358 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

Mortgage

Document Number	0065740961
Date	Apr 2, 2024
Book Page	6574/961
Instrument	2024040923

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	25 ENTERPRISE CTR, MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 31, 2019
Property Address	6358 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0055652884
Book / Page	005565 / 002884
Instrument Date	Jul 29, 2019
Instrument	98897
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,125.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6358 OAK SHORE DR ST CLOUD FL 347718641, ST CLOUD, FL 34771-8641

Mortgage

Document Number	55652886
Date	Jul 31, 2019
Book Page	005565/002886
Instrument	98898

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 6358 Oak Shore Dr was $14,606, up 23.7% 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	$14,606.00 (+23.71%)	$1,002,800 Land $107,800 Building $895,000	$1,002,800 Land $107,800 Building $895,000
2024	$11,807.00 (+6.55%)
2023	$11,081.00 (+3.33%) Homeowner's exemption	$789,171 (+3%)	$973,900 (+15.3%) Land $107,800 Building $866,100
2022	$10,724.00 Homeowner's exemption	$766,186	$844,700 Land $107,800 Building $736,900

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

Flood

FEMA maps place 6358 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 6358 Oak Shore Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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