6368 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6368 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,616 sqft · built 2001
Lot Size	0.617 acres (26,877 sqft)
Owner	2 Owner Names on File
Last Sale	$290,000 (Sep 2003)
Tax Bill	$4,177 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`94446`

Property Details

APN / Parcel Number

Primary APN	`94446`
Alternative APN	`352531000000230000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,616 sqft Heated Area
Gross Area	3,822 sqft
1st Floor Area	2,416 sqft
Attic Area	200 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,877 sqft (0.617 acres)
Lot Dimensions	245 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	524 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	682 sqft
Patio Area	168 sqft
Fence	Fence
Shed	1 Shed
Shed Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	94446
Street Address	6368 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	COM AT SW COR OF NE 1/4 SEC 35, E ALONG S/L OF NE 1/4 25 FT, N 1216.87 FT, N 52 DEG E 212.53 FT TO POB; CONT N 52 DEG E 10.05
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	COON LAKE AREA
Legal Block	23
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43700

Owner

The current owner of 6368 Oak Shore Dr bought it in September 2003.

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

Owner of Record	2 Owner Names on File
Mailing Address	6368 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Occupancy	Owner Occupied

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 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Oct 25, 2017	Deed of Trust, Mortgage · Conventional with PMI MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2003 · Amount on File
Deed Sale	Sep 4, 2003 · Amount on File
Prior Sale	Mar 10, 2000 · Amount on File
Deed Document Number	0233101534
Deed Book / Page	02331 / 01534
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6368 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6368 OAK SHORE DR, SAINT CLOUD, FL 34771-8641

Mortgage

Document Number	0060151619
Date	Aug 3, 2021
Book Page	6015/1619
Instrument	2021120250

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2041

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6368 OAK SHORE DR, SAINT CLOUD, FL 34771-8641
Document Number	0052342993
Book / Page	005234 / 002993
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6368 OAK SHORE DR ST CLOUD FL 347718641, ST CLOUD, FL 34771-8641

Mortgage

Document Number	0052342993
Date	Nov 6, 2017
Book Page	005234/002993
Instrument	158362

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6368 Oak Shore Dr was $4,177 with a homeowner's exemption.

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	$4,177.00 Homeowner's exemption	$290,918	$385,500 Land $65,000 Building $320,500
2023	$3,894.00 (+4.15%) Homeowner's exemption	$274,486 (+3%)	$379,700 (+13.78%) Land $65,000 Building $314,700
2022	$3,739.00 Homeowner's exemption	$266,492	$333,700 Land $65,000 Building $268,700

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

Flood

FEMA maps place 6368 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 6368 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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