6438 Shoreline Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6438 Shoreline Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,352 sqft · built 2003
Lot Size	0.835 acres (36,416 sqft)
Owner	Individual Name on Record
Last Sale	$790,000 (Jan 2022)
Tax Bill	$9,618 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95239`

Property Details

APN / Parcel Number

Primary APN	`95239`
Alternative APN	`022631443200010440`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,352 sqft Heated Area
Gross Area	5,746 sqft
1st Floor Area	3,296 sqft
Upper Floors Area	1,056 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	36,416 sqft (0.835 acres)
Lot Dimensions	248 ft deep x 150 ft wide
Garage Type	Finished
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	612 sqft
Deck Area	186 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	95239
Street Address	6438 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 44
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4432
Legal Block	1
Legal Lot Number	44
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	Individual Name on Record
Mailing Address	6438 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2022 · Amount on Record
Deed Sale	Jan 19, 2022 · Amount on Record
Prior Sale	Oct 5, 2001
Deed Document Number	2022009821
Deed Book / Page	6132 / 2
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 19, 2022
Property Address	6438 SHORELINE DR, SAINT CLOUD, FL 34771-8783
Document Number	0061320002
Book / Page	6132 / 2
Map Reference	MB 10 PG 154-156
Instrument Date	Jan 7, 2022
Instrument	2022009821
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 GRANADA CT N, 207, PLANT CITY, FL 33566-6722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6438 SHORELINE DR, SAINT CLOUD, FL 34771-8783

Mortgage

Document Number	0000061324
Date	Jan 19, 2022
Instrument	6132/4

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 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	$9,618.00 (+1.76%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$688,700 (+1.65%) Land $90,000 Building $598,700	$688,700 (+1.65%) Land $90,000 Building $598,700
2023	$9,452.00 (+55.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$677,500 (+56.43%) Land $90,000 Building $587,500	$677,500 (+9.29%) Land $90,000 Building $587,500
2022	$6,068.00 Homeowner's exemption	$433,099	$619,900 Land $85,000 Building $534,900

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 100 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

Nearby Properties on Shoreline Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures