6423 Shoreline Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6423 Shoreline Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,694 sqft · built 2005
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on File
Last Sale	$349,900 (Apr 2018)
Tax Bill	$1,492 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-26-31-4432-0001-0530`

Property Details

APN / Parcel Number

Primary APN	`02-26-31-4432-0001-0530`
Alternative APNs	`263102443200010530` `95248`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,694 sqft Living Area
Gross Area	3,913 sqft
1st Floor Area	2,694 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Attached
Garage Area	852 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	367 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6423 SHORELINE DR
City	SAINT CLOUD
State	FL
Zip	34771-8786
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	NORTHSHORE-STAGE ONE PB 10 PGS 154-156 LOT 53
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE STAGE 1
Legal Tract	4432
Legal Block	530
Legal Lot Number	53
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1040
Census Tract	43801

Owner

6423 Shoreline Dr is owned and occupied by an individual who bought it in April 2018.

Source: Osceola County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	6423 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 18, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 16, 2020	Deed of Trust, Mortgage · VA Mortgage BAYSHORE MORTGAGE FUNDING LLC
Oct 4, 2019	Deed of Trust, Mortgage · VA Mortgage BAYSHORE MORTGAGE FUNDING LLC
Apr 17, 2018	Warranty Deed, Transfer · VA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2018 · Amount on File
Deed Sale	Apr 17, 2018 · Amount on File
Prior Sale	Apr 28, 2004 · Amount on File
Deed Document Number	201860255
Deed Book / Page	5318 / 1298
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6423 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Transaction Type	Mortgage
Record Updated	Jan 11, 2023
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6423 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	0060891429
Date	Nov 18, 2021
Book Page	6089/1429
Instrument	2021179130

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6423 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6423 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	0058141055
Date	Oct 16, 2020
Book Page	5814/1055
Instrument	2020140239

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6423 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056010832
Date	Oct 4, 2019
Book Page	5601/0832
Instrument	2019129025

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 17, 2018
Property Address	6423 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Document Number	0053181298
Book / Page	5318 / 1298
Map Reference	MB10 PG154-156
Instrument Date	Apr 16, 2018
Instrument	2018060255
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STOWART TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,449.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6423 SHORELINE DR, 6423, SAINT CLOUD, FL 34771-8786

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Ux (and Wife)
Address	6423 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	2018060256
Date	Apr 17, 2018
Instrument	2018060256

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 6423 Shoreline Dr was $1,492 with exemptions applied, up 6.1% 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	$1,492.00 (+6.12%) Homeowner's exemption Veteran's exemption	$330,782	$467,000 Land $65,000 Building $402,000
2024	$1,406.00 (+0.64%)
2023	$1,397.00 (+4.49%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$312,098 (+3%)	$459,400 (+26.8%) Land $65,000 Building $394,400
2022	$1,337.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$303,008	$362,300 Land $60,000 Building $302,300

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

Flood

FEMA maps place 6423 Shoreline Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 6423 Shoreline Dr is moderate, ranking above 69% of the US, with a 0.3% annual chance of 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

Nearby Properties on Shoreline Dr

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