6364 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6364 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,516 sqft · built 2020
Lot Size	0.662 acres (28,880 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Apr 2018)
Tax Bill	$5,511 (2025)
Deeds & Mortgages	Dec 2019 Construction Loan Nov 2020 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`94447`

Property Details

APN / Parcel Number

Primary APN	`94447`
Alternative APN	`352531000000240000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,516 sqft Heated Area
Gross Area	3,855 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,880 sqft (0.662 acres)
Lot Dimensions	255 ft deep x 100 ft wide
Garage Type	Finished
Pool Area	450 sqft
Porch	Open Porch
Deck Area	603 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	94447
Street Address	6364 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 OF NE 1/4 OF 35-25-31, N TO W SEC LINE 1216.87 FT, N 52 DEG E 202.48 FT TO POB; N 52 DEG E 10.05 FT, S
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	COON LAKE AREA
Legal Tract	D
Legal Block	24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6364 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Nov 10, 2020	Loan Modification, Mortgage NATHAN R IRVING
Apr 4, 2018	Warranty Deed, Transfer · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2018 · Amount on Record
Deed Sale	Apr 4, 2018 · Amount on Record
Prior Sale	May 15, 2015 · Amount on Record
Deed Document Number	2018052579
Deed Book / Page	5311 / 0085
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6364 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056491519
Date	Dec 30, 2019
Book Page	5649/1519
Instrument	2019168962

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6364 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0058400552
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6364 OAK SHORE DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	0058400552
Date	Nov 25, 2020
Book Page	005840/000552
Instrument	161504

Lender

Name	NATHAN R IRVING
Address	25 NABEO, CONWAY, AR 72032

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 4, 2018
Property Address	6364 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0053110085
Book / Page	5311 / 0085
Instrument Date	Apr 3, 2018
Instrument	2018052579
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2974 BURBERRY PL, 2974, SAINT CLOUD, FL 34772-8750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6449 FALL ST, SAINT CLOUD, FL 34771-8546

Mortgage

Document Number	2018052580
Date	Apr 4, 2018
Instrument	2018052580

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 19, 2023

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,511.00 (+6.74%) Homeowner's exemption	$387,247 (+5.99%)	$444,800 (+2.42%) Land $65,000 Building $379,800
2023	$5,163.00 (+3.82%) Homeowner's exemption	$365,373 (+3%)	$434,300 (+13.34%) Land $65,000 Building $369,300
2022	$4,973.00 Homeowner's exemption	$354,732	$383,200 Land $65,000 Building $318,200

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

Flood

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 Record 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

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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