6495 Bay Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6495 Bay Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,044 sqft · built 2021
Lot Size	1.42 acres (62,073 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Jan 2019)
Tax Bill	$4,830 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`13-26-31-2895-0001-0040`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-2895-0001-0040`
Alternative APNs	`263113289500010040` `97553`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,044 sqft Living Area
Gross Area	2,981 sqft
1st Floor Area	2,044 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	62,073 sqft (1.42 acres)
Lot Dimensions	237 ft deep x 1.3 ft wide
Garage Type	Attached
Garage Area	495 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	288 sqft
Porch	Slab
Deck Area	342 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6495 BAY SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-9569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	CREEKSIDE AT BAY LAKE PB 8 PG 29 LOT 4
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	CREEKSIDE AT BAY LAKE
Legal Tract	A
Legal Block	1
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

Owner

Source: Osceola County records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6495 BAY SHORE DR, SAINT CLOUD, FL 34771-9569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Aug 12, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 28, 2019	Warranty Deed, Transfer · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2019 · Amount on Record
Deed Sale	Jan 28, 2019 · Amount on Record
Prior Sale	Mar 6, 2014 · Amount on Record
Deed Document Number	201910885
Deed Book / Page	5468 / 941
Prior Transfer Date	Jan 31, 2015
Prior Transfer Doc	0047301255
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6495 BAY SHORE DR, SAINT CLOUD, FL 34771-9569
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6495 BAY SHORE DR, SAINT CLOUD, FL 34771-9569

Mortgage

Document Number	0064492110
Date	Aug 1, 2023
Book Page	6449/2110
Instrument	2023099217

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2043

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6495 BAY SHORE DR, SAINT CLOUD, FL 34771-9569
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6503 BAY SHORE DR, SAINT CLOUD, FL 34771-9569

Mortgage

Document Number	0058212207
Date	Oct 28, 2020
Book Page	5821/2207
Instrument	2020146508

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 12, 2020
Property Address	6495 BAY SHORE DR, SAINT CLOUD, FL 34771-9569
Document Number	0057731464
Book / Page	005773 / 001464
Instrument Date	Aug 12, 2020
Instrument	106513
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6503 BAY SHORE DR ST CLOUD FL 347719569, ST CLOUD, FL 34771-9569

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2019
Property Address	6495 BAY SHORE DR, SAINT CLOUD, FL 34771-9569
Document Number	0054680941
Book / Page	5468 / 0941
Map Reference	MB 8 PG 29
Instrument Date	Jan 25, 2019
Instrument	2019010885
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	A CLEAR CHOICE TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6164 ALLIGATOR LAKE SHR W, 6164, SAINT CLOUD, FL 34771-7331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6503 BAY SHORE DR, SAINT CLOUD, FL 34771-9569
Investor	Possibly a Property Investor

Mortgage

Document Number	2019010886
Date	Jan 28, 2019
Instrument	2019010886

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Feb 12, 2024

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	$4,830.00 (+4.79%) Homeowner's exemption	$338,088 (+5.99%)	$357,500 (+2.26%) Land $56,000 Building $301,500
2024	$4,609.00 (+2.08%)
2023	$4,515.00 Homeowner's exemption	$318,991	$349,600 Land $56,000 Building $293,600

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
CenturyLink DSL	140 / 20

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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