6405 Shoreline Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6405 Shoreline Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,922 sqft · built 2006
Lot Size	0.539 acres (23,522 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Mar 2006)
Tax Bill	$3,939 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95218`

Property Details

APN / Parcel Number

Primary APN	`95218`
Alternative APN	`022631443200010230`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,922 sqft Heated Area
Gross Area	4,269 sqft
1st Floor Area	2,922 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.539 acres)
Garage Type	Finished
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	864 sqft
Deck Area	436 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95218
Street Address	6405 SHORELINE CT
City	SAINT CLOUD
State	FL
Zip	34771-8812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	NORTHSHORE-STAGE ONE PB 10 PGS 154-156 LOT 23
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4432
Legal Block	1
Legal Lot Number	23
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

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	6405 SHORELINE CT, SAINT CLOUD, FL 34771-8812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jan 11, 2020	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2006 · Amount on Record
Deed Sale	Mar 28, 2006 · Amount on Record
Prior Sale	Mar 28, 2006
Deed Document Number	2006083576
Deed Book / Page	3108 / 1804
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6405 SHORELINE CT, SAINT CLOUD, FL 34771-8812
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055082067
Date	Apr 17, 2019
Book Page	5508/2067
Instrument	2019048412

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6405 SHORELINE CT, SAINT CLOUD, FL 34771-8812
Document Number	0057112917
Instrument Date	Jan 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6405 SHORELINE CT ST CLOUD FL 347718812, ST CLOUD, FL 34771-8812

Mortgage

Document Number	0057112917
Date	Apr 22, 2020
Book Page	005711/002917
Instrument	55181

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2050

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	$3,939.00 (+7.39%) Homeowner's exemption	$273,782 (+5.99%)	$488,400 (+1.79%) Land $65,000 Building $423,400
2023	$3,668.00 (+4.2%) Homeowner's exemption	$258,318 (+3%)	$479,800 (+25.93%) Land $65,000 Building $414,800
2022	$3,520.00 Homeowner's exemption	$250,795	$381,000 Land $60,000 Building $321,000

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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