6520 Bay Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6520 Bay Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,063 sqft · built 2001
Lot Size	0.527 acres (22,956 sqft)
Owner	Individual Name on Record
Last Sale	$265,500 (Oct 2018)
Tax Bill	$3,155 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-2595-0001-1000`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-2595-0001-1000`
Alternative APNs	`263113259500011000` `97501`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,063 sqft Living Area
Gross Area	2,641 sqft
1st Floor Area	1,751 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,956 sqft (0.527 acres)
Lot Dimensions	200 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	340 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6520 BAY SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	BAY LAKES EST PB 2 PG 86 & 87 LOT 100
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	BAY LAKE ESTATES
Legal Tract	2595
Legal Block	1000
Legal Lot Number	100
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 November 26, 2025

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	Individual Name on Record
Mailing Address	6520 BAY SHORE DR, SAINT CLOUD, FL 34771-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2020	Deed of Trust, Mortgage · VA Mortgage PNC BANK NA
Oct 1, 2018	Warranty Deed, Transfer · VA Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	May 31, 2005 · Amount on Record
Deed Document Number	2018146809
Deed Book / Page	5409 / 2283
Prior Transfer Date	Oct 23, 2012
Prior Transfer Doc	0043410463
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6520 BAY SHORE DR, SAINT CLOUD, FL 34771-9504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056542884
Date	Jan 9, 2020
Book Page	5654/2884
Instrument	2020003800

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 1, 2018
Property Address	6520 BAY SHORE DR, SAINT CLOUD, FL 34771-9504
Document Number	0054092283
Book / Page	5409 / 2283
Map Reference	MB2 PG86&87
Instrument Date	Sep 28, 2018
Instrument	2018146809
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CLASSIC TITLE & SOLUTIONS IN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,858.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 SPECEBERRY CIR, 6, HOMOSASSA, FL 34446-4068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6520 BAY SHORE DR, SAINT CLOUD, FL 34771-9504

Mortgage

Document Number	2018146810
Date	Oct 1, 2018
Instrument	2018146810

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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	$3,155.00 (+5.59%) Homeowner's exemption	$217,191 (+5.99%)	$379,300 (+12.72%) Land $65,000 Building $314,300
2024	$2,988.00 (+2.26%)
2023	$2,922.00 (+4.54%) Homeowner's exemption	$204,923 (+3%)	$336,500 (+14.22%) Land $55,000 Building $281,500
2022	$2,795.00 Homeowner's exemption	$198,955	$294,600 Land $55,000 Building $239,600

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 X minimal risk
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 74% of the US · above 59% 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.

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