6362 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6362 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,892 sqft · built 2021
Lot Size	1.12 acres (48,830 sqft)
Owner	2 Company Names on File
Last Sale	$1,300,000 (Mar 2026)
Tax Bill	$7,770 (2025)
Deeds & Mortgages	Sep 2026 Sale Mar 2026 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`35-25-31-0000-0026-0000`

Property Details

APN / Parcel Number

Primary APN	`35-25-31-0000-0026-0000`
Alternative APNs	`253135000000260000` `94449`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,892 sqft Living Area
Gross Area	4,763 sqft
1st Floor Area	2,237 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,830 sqft (1.12 acres)
Lot Dimensions	350 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	1,070 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	36 sqft
Porch	Slab
Deck Area	1,040 sqft
Boat House	754 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	6362 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 OF SW COR NE 1/4 OF 35-25-31, N 1216.87 FT TO W LINE SAID SEC, N 52 DEG E 192.44 FT TO POB; N 52 DEG E 10.04 FT, S 33 DEG E 386.72 FT, N 57 DEG E 260 FT, S 33 DEG E 1394.45 FT, W 79.98 FT N 35 DEG W 1311.27 FT, N 33 DEG W 20 FT, S 57 DEG
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	26
Legal Lot Number	26
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43700

Owner

6362 Oak Shore Dr is owned by a company that bought it in March 2026.

Source: Osceola County records, as of September 14, 2026

Owner of Record	2 Company Names on File
Mailing Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Owner Type	Company
Vesting	Life Tenant

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
Sep 2, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 5, 2026	Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Dec 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Jul 2, 2020	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK
Jul 2, 2020	Quit Claim Deed, Transfer FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2026 · Amount on File
Deed Sale	Mar 5, 2026 · Amount on File
Prior Sale	Jul 2, 2020 · Amount on File
Deed Document Number	202628999
Deed Book / Page	6932 / 295
Prior Transfer Date	Jun 30, 2020
Prior Transfer Doc	0057481130
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 2, 2026
Property Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0000115396
Book / Page	7030 / 417
Instrument Date	May 6, 2026
Instrument	2026115396
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 5, 2026
Property Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0069320295
Book / Page	6932 / 295
Instrument Date	Feb 27, 2026
Instrument	2026028999
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Tax	$9,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 ACADEMY DR 104, 104, KISSIMMEE, FL 34744-8623

Mortgage

Document Number	0058621998
Date	Dec 31, 2020
Book Page	5862/1998
Instrument	2020177901

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.12%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2020
Property Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0057481131
Book / Page	5748 / 1131
Instrument Date	Jun 30, 2020
Instrument	2020085809
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST SERVICE TTL OF FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1751 MISSOURI AVE, 1751, SANFORD, FL 32771-9722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10032 BEAR LAKE RD, FOREST CITY, FL 32703-1928

Mortgage

Document Number	0057481132
Date	Jul 2, 2020
Instrument	5748/1132

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	9.25%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2020
Property Address	6362 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0057481130
Book / Page	005748 / 001130
Instrument Date	Jun 30, 2020
Instrument	85808
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1751 MISSOURI AVE SANFORD FL 327719722, SANFORD, FL 32771-9722

Tax Assessment & Valuation

The 2025 property tax bill for 6362 Oak Shore Dr was $7,770, up 4.2% 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	$7,770.00 (+4.21%)	$550,290	$599,100 Land $107,800 Building $491,300
2024	$7,456.00 (+1.98%)
2023	$7,311.00 (+3.56%) Homeowner's exemption	$519,206 (+3%)	$588,300 (+12.19%) Land $107,800 Building $480,500
2022	$7,060.00 Homeowner's exemption	$504,084	$524,400 Land $107,800 Building $416,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 6362 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 6362 Oak Shore Dr is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 69% of Florida
Wildfire Likelihood	0.5% 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 and 4G LTE (outdoors only)

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