6422 Shoreline Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6422 Shoreline Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,248 sqft · built 2000
Lot Size	0.896 acres (39,073 sqft)
Owner	2 Company Names on Record
Last Sale	$860,000 (Jan 2024)
Tax Bill	$4,947 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`95232`

Property Details

APN / Parcel Number

Primary APN	`95232`
Alternative APN	`022631443200010370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,248 sqft Heated Area
Gross Area	4,426 sqft
1st Floor Area	2,248 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,073 sqft (0.896 acres)
Lot Dimensions	280 ft deep x 153 ft wide
Garage Type	Finished
Garage Area	659 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	619 sqft
Boat Access	Boat Access
Boat House	576 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95232
Street Address	6422 SHORELINE DR
City	SAINT CLOUD
State	FL
Zip	34771-8783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	NORTHSHORE-STAGE ONE PB 10 PG 154-156 LOT 37
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4432
Legal Block	1
Legal Lot Number	37
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	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	6422 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Nov 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage TRUIST BANK
Nov 1, 2018	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 9, 2024 · Amount on Record
Deed Sale	Jan 9, 2024 · Amount on Record
Prior Sale	Nov 1, 2018 · Amount on Record
Deed Document Number	2024003226
Deed Book / Page	6531 / 439
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 9, 2024
Property Address	6422 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Document Number	0065310439
Book / Page	6531 / 439
Map Reference	MB 10 PG 154-156
Instrument Date	Dec 27, 2023
Instrument	2024003226
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6422 GRAND AVE, WINDSOR, CO 80550

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	6422 SHORELINE DR, SAINT CLOUD, FL 34771-8783

Mortgage

Document Number	0006531441
Date	Jan 9, 2024
Instrument	6531/441

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6422 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Transaction Type	Mortgage
Record Updated	Jul 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6422 SHORELINE DR, MAGNOLIA SQ, FL 34771-8783

Mortgage

Document Number	0060032975
Date	Jul 16, 2021
Book Page	6003/2975
Instrument	2021110815

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6422 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6422 SHORELINE DR, SAINT CLOUD, FL 34771-8783

Mortgage

Document Number	0058242501
Date	Nov 2, 2020
Book Page	5824/2501
Instrument	2020148850

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 1, 2018
Property Address	6422 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Document Number	0054280174
Book / Page	005428 / 000174
Instrument Date	Oct 31, 2018
Instrument	163566
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,982.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6422 SHORELINE DR ST CLOUD FL 347718783, ST CLOUD, FL 34771-8783

Mortgage

Document Number	54280175
Date	Nov 1, 2018
Book Page	005428/000175
Instrument	163567

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2048

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	$4,947.00 (+17.9%) Homeowner's exemption	$346,501 (+17.02%)	$498,100 (+3.64%) Land $90,000 Building $408,100
2023	$4,196.00 (+4.04%) Homeowner's exemption	$296,113 (+3%)	$480,600 (+24.7%) Land $90,000 Building $390,600
2022	$4,033.00 Homeowner's exemption	$287,489	$385,400 Land $85,000 Building $300,400

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

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 100 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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