6431 Shoreline Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6431 Shoreline Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,834 sqft · built 2005
Lot Size	0.519 acres (22,608 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (May 2020)
Tax Bill	$4,702 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95245`

Property Details

APN / Parcel Number

Primary APN	`95245`
Alternative APN	`022631443200010500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,834 sqft Heated Area
Gross Area	4,004 sqft
1st Floor Area	2,426 sqft
Upper Floors Area	408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,608 sqft (0.519 acres)
Garage Type	Finished
Garage Area	689 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	481 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	95245
Street Address	6431 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 50
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4432
Legal Block	1
Legal Lot Number	50
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 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	6431 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on Record
Deed Sale	May 11, 2020 · Amount on Record
Prior Sale	Apr 2, 2004 · Amount on Record
Deed Document Number	2020062203
Deed Book / Page	5720 / 417
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 11, 2020
Property Address	6431 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Document Number	0057200417
Book / Page	5720 / 417
Map Reference	MB 10 PG 154-156
Instrument Date	May 8, 2020
Instrument	2020062203
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	PLATINUM TTL OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1019 MAGNOLIA ST, 1019, NEW SMYRNA BEACH, FL 32168-7443

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6431 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	0005720419
Date	May 11, 2020
Instrument	5720/419

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

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	$4,702.00 (+7.03%) Homeowner's exemption	$328,844 (+5.99%)	$481,100 (+1.65%) Land $65,000 Building $416,100
2023	$4,393.00 (+3.98%) Homeowner's exemption	$310,269 (+3%)	$473,300 (+26.96%) Land $65,000 Building $408,300
2022	$4,225.00 Homeowner's exemption	$301,233	$372,800 Land $60,000 Building $312,800

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	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.5% 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 40 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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