6432 Shoreline Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6432 Shoreline Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,440 sqft · built 2007
Lot Size	0.685 acres (29,882 sqft)
Owner	Company Name on Record
Last Sale	$1,250,000 (Aug 2022)
Tax Bill	$10,349 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95236`

Property Details

APN / Parcel Number

Primary APN	`95236`
Alternative APN	`022631443200010410`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,440 sqft Heated Area
Gross Area	8,082 sqft
1st Floor Area	2,918 sqft
Upper Floors Area	1,522 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,882 sqft (0.685 acres)
Garage Type	Detached - Finished
Garage Area	396 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Porch
Porch Area	1,422 sqft
Deck Area	789 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	95236
Street Address	6432 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 41
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4432
Legal Block	1
Legal Lot Number	41
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	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	6432 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Stand-Alone First Mortgage 2004 0000198 LLC
Aug 22, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Oct 5, 2009 · Amount on Record
Deed Document Number	2022128411
Deed Book / Page	6272 / 2738
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6432 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6432 SHORELINE DR, SAINT CLOUD, FL 34771-8783

Mortgage

Document Number	0068692938
Date	Oct 23, 2025
Book Page	6869/2938
Instrument	2025132019

Lender

Name	2004 0000198 LLC
Type	Non-Lending Institution
Address	SAINT CLOUD, FL 34771

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2022
Property Address	6432 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Document Number	0062722738
Book / Page	6272 / 2738
Map Reference	MB 10 PG 154-156
Instrument Date	Aug 19, 2022
Instrument	2022128411
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6432 SHORELINE DR, 6432, SAINT CLOUD, FL 34771-8783

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6432 SHORELINE DR, SAINT CLOUD, FL 34771-8783

Mortgage

Document Number	0062722740
Date	Aug 22, 2022
Instrument	6272/2740

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$10,349.00 (+5.99%) Homeowner's exemption	$736,452 (+5.99%)	$811,500 (+1.72%) Land $85,500 Building $726,000
2023	$9,764.00 (+34.62%) Homeowner's exemption	$694,852 (+34.17%)	$797,800 (+8.93%) Land $85,500 Building $712,300
2022	$7,253.00 Homeowner's exemption	$517,889	$732,400 Land $80,800 Building $651,600

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	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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