6433 Shoreline Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6433 Shoreline Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,285 sqft · built 2004
Lot Size	0.509 acres (22,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Mar 2026)
Tax Bill	$5,958 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-26-31-4432-0001-0490`

Property Details

APN / Parcel Number

Primary APN	`02-26-31-4432-0001-0490`
Alternative APNs	`263102443200010490` `95244`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,285 sqft Living Area
Gross Area	3,259 sqft
1st Floor Area	2,285 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,172 sqft (0.509 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	420 sqft
Porch	Finished/Open Porch
Porch Area	623 sqft
Deck Area	1,080 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6433 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 49
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE STAGE 1
Legal Tract	4432
Legal Block	490
Legal Lot Number	49
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 March 31, 2026

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	6433 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 7, 2022	Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC
Sep 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2026 · Amount on Record
Deed Sale	Mar 19, 2026 · Amount on Record
Prior Sale	Jul 7, 2022 · Amount on Record
Deed Document Number	202636372
Deed Book / Page	6939 / 2558
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	0057942587
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 19, 2026
Property Address	6433 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Document Number	0069392558
Book / Page	6939 / 2558
Map Reference	MB 10 PG 154
Instrument Date	Mar 16, 2026
Instrument	2026036372
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1380 MONTICELLO DR, PINEHURST, NC 28374-8713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6433 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	0069392560
Date	Mar 19, 2026
Instrument	6939/2560

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2022
Property Address	6433 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Document Number	0062462708
Book / Page	6246 / 2708
Map Reference	MB 10 PG 154
Instrument Date	Jul 6, 2022
Instrument	2022105051
Transaction Type	Transfer
Record Updated	Jul 19, 2022
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	$4,207.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6433 SHORELINE DR, 6433, SAINT CLOUD, FL 34771-8786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6433 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	0062462710
Date	Jul 7, 2022
Instrument	6246/2710

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 16, 2020
Property Address	6433 SHORELINE DR, SAINT CLOUD, FL 34771-8786
Document Number	0057942587
Book / Page	5794 / 2587
Map Reference	MB 10 PG 154-156
Instrument Date	Sep 10, 2020
Instrument	2020124062
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6433 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Mortgage

Document Number	0057942589
Date	Sep 16, 2020
Instrument	5794/2589

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

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

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	$5,958.00 (+1.5%) Homeowner's exemption	$419,500 (+1.43%) Land $65,000 Building $354,500	$419,500 (+1.43%) Land $65,000 Building $354,500
2024	$5,870.00 (+0.58%)
2023	$5,836.00 (+68.09%) Homeowner's exemption	$413,600 (+67.19%) Land $65,000 Building $348,600	$413,600 (+24.02%) Land $65,000 Building $348,600
2022	$3,472.00 Homeowner's exemption	$247,377	$333,500 Land $60,000 Building $273,500

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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