6427 Shoreline Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6427 Shoreline Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,898 sqft · built 2006
Lot Size	0.51 acres (22,215 sqft)
Owner	2 Individual Names on Record
Last Sale	$657,500 (Jul 2023)
Tax Bill	$5,233 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-26-31-4432-0001-0510`

Property Details

APN / Parcel Number

Primary APN	`02-26-31-4432-0001-0510`
Alternative APNs	`263102443200010510` `95246`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,898 sqft Living Area
Gross Area	3,888 sqft
1st Floor Area	2,466 sqft
Upper Floors Area	432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,215 sqft (0.51 acres)
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	25 sqft
Porch	Finished/Open Porch
Porch Area	308 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	6427 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 PG 154-156 LOT 51
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE STAGE 1
Legal Tract	4432
Legal Block	510
Legal Lot Number	51
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1040
Census Tract	43801

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	6427 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Warranty Deed, Transfer · VA Mortgage BARRETT FINANCIAL GROUP LLC
Nov 18, 2020	Quit Claim Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on Record
Deed Sale	Jul 11, 2023 · Amount on Record
Prior Sale	Sep 4, 2013 · Amount on Record
Deed Document Number	202388714
Deed Book / Page	6438 / 1156
Prior Transfer Date	Nov 10, 2020
Prior Transfer Doc	0058342950
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 11, 2023
Property Address	6427 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Document Number	0064381156
Book / Page	6438 / 1156
Map Reference	MB 10 PG 154-156
Instrument Date	Jul 6, 2023
Instrument	2023088714
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,602.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6427 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6427 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	0064381158
Date	Jul 11, 2023
Instrument	6438/1158

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 18, 2020
Property Address	6427 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Document Number	0058342950
Book / Page	5834 / 2950
Map Reference	MB 10 PG 154-156
Instrument Date	Nov 10, 2020
Instrument	2020157659
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6427 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	0058342952
Date	Nov 18, 2020
Instrument	5834/2952

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

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	$5,233.00 (+36.35%)	$367,138 (+19.88%)	$488,600 (+2.05%) Land $65,000 Building $423,600
2024	$3,838.00 (-11.51%)
2023	$4,337.00 (+3.98%) Homeowner's exemption	$306,256 (+3%)	$478,800 (+25.57%) Land $65,000 Building $413,800
2022	$4,171.00 Homeowner's exemption	$297,336	$381,300 Land $60,000 Building $321,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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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