6464 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6464 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,974 sqft · built 1998
Lot Size	1.09 acres (47,611 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Apr 2017)
Tax Bill	$6,161 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2022 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`35-25-31-0000-0022-0000`

Property Details

APN / Parcel Number

Primary APN	`35-25-31-0000-0022-0000`
Alternative APNs	`253135000000220000` `94445`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,974 sqft Living Area
Gross Area	5,617 sqft
1st Floor Area	3,254 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,611 sqft (1.09 acres)
Lot Dimensions	1 ft deep x 200 ft wide
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	464 sqft
Porch	Florida Room
Porch Area	863 sqft
Deck Area	400 sqft
Patio Area	468 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Central

Location & Zoning

Street Address	6464 OAK SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-8603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR1A
Legal Description	COM SW COR OF NE 1/4, E 25 FT, N 1216.87 FT, N 52 DEG E ALONG R/W 222.58 FT TO POB; CONT N 52 DEG E 10.04 FT, N 51 DEG E 230.96 FT, S 33 DEG E ALONG WLY BANK OF LAKE CENTER CANAL 210.53 FT, S 57 DEG W 240 FT, N 33 DEG W 188.55 FT TO POB
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	22
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43700

Owner

6464 Oak Shore Dr is owned and occupied by an individual who bought it in April 2017.

Source: Osceola County records, as of March 2, 2026

Owner of Record	Individual Name on File
Mailing Address	6464 OAK SHORE DR, SAINT CLOUD, FL 34771-8603
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jun 14, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Apr 3, 2017	Warranty Deed, Transfer FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC
Apr 3, 2017	Quit Claim Deed, Transfer FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2017 · Amount on File
Deed Sale	Apr 3, 2017 · Amount on File
Prior Sale	Mar 1, 2017 · Amount on File
Deed Document Number	201749972
Deed Book / Page	5125 / 2451
Prior Transfer Date	Mar 14, 2017
Prior Transfer Doc	0051252449
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6464 OAK SHORE DR, SAINT CLOUD, FL 34771-8603
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6464 OAK SHORE DR, SAINT CLOUD, FL 34771-8603

Mortgage

Document Number	0069211441
Date	Feb 11, 2026
Book Page	6921/1441
Instrument	2026019228

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6464 OAK SHORE DR, SAINT CLOUD, FL 34771-8603
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6464 OAK SHORE DR, SAINT CLOUD, FL 34771-8603

Mortgage

Document Number	0062330927
Date	Jun 14, 2022
Book Page	6233/927
Instrument	2022093497

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 3, 2017
Property Address	6464 OAK SHORE DR, SAINT CLOUD, FL 34771-8603
Document Number	0051252451
Book / Page	005125 / 002451
Instrument Date	Mar 20, 2017
Instrument	49972
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transaction

Amount	Amount on Record
Tax	$3,010.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6464 OAK SHORE DR ST CLOUD FL 347718603, ST CLOUD, FL 34771-8603

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 3, 2017
Property Address	6464 OAK SHORE DR, SAINT CLOUD, FL 34771-8603
Document Number	0051252449
Book / Page	005125 / 002449
Instrument Date	Mar 14, 2017
Instrument	49971
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6464 OAK SHORE DR ST CLOUD FL 347718603, ST CLOUD, FL 34771-8603

Tax Assessment & Valuation

The 2025 property tax bill for 6464 Oak Shore Dr was $6,161 with a homeowner's exemption, up 4.5% from the year before.

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	$6,161.00 (+4.46%) Homeowner's exemption	$434,171	$548,700 Land $71,500 Building $477,200
2024	$5,898.00 (+2.02%)
2023	$5,781.00 (+3.71%) Homeowner's exemption	$409,646 (+3%)	$537,900 (+13.7%) Land $71,500 Building $466,400
2022	$5,574.00 Homeowner's exemption	$397,715	$473,100 Land $71,500 Building $401,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6464 Oak Shore Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 6464 Oak Shore Dr is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 80% of the US · above 69% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	None beyond ember reach

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 78 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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