6550 Bay Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6550 Bay Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,525 sqft · built 1998
Lot Size	0.505 acres (21,997 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,000 (Jan 2018)
Tax Bill	$4,429 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-2595-0001-0970`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-2595-0001-0970`
Alternative APNs	`263113259500010970` `97498`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,525 sqft Living Area
Gross Area	3,665 sqft
1st Floor Area	971 sqft
Upper Floors Area	1,554 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,997 sqft (0.505 acres)
Lot Dimensions	200 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	548 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	6550 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 97
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	BAY LAKE ESTATES
Legal Tract	2595
Legal Block	970
Legal Lot Number	97
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6550 BAY SHORE DR, SAINT CLOUD, FL 34771-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Mar 5, 2019	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jan 8, 2018	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2018 · Amount on Record
Deed Sale	Jan 8, 2018 · Amount on Record
Deed Document Number	20184463
Deed Book / Page	5266 / 1305
Prior Transfer Date	Oct 26, 2005
Prior Transfer Doc	0030132751
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6550 BAY SHORE DR, SAINT CLOUD, FL 34771-9504
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6550 BAY SHORE DR, SAINT CLOUD, FL 34771-9504

Mortgage

Document Number	0064671598
Date	Sep 1, 2023
Book Page	6467/1598
Instrument	2023115345

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6550 BAY SHORE DR, SAINT CLOUD, FL 34771-9504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6550 BAY SHORE DR, SAINT CLOUD, FL 34771-9504

Mortgage

Document Number	0058731758
Date	Jan 20, 2021
Book Page	5873/1758
Instrument	2021008439

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6550 BAY SHORE DR, SAINT CLOUD, FL 34771-9504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054861483
Date	Mar 5, 2019
Book Page	5486/1483
Instrument	2019027986

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 8, 2018
Property Address	6550 BAY SHORE DR, SAINT CLOUD, FL 34771-9504
Document Number	0052661305
Book / Page	5266 / 1305
Map Reference	MB2 PG86&87
Instrument Date	Dec 27, 2017
Instrument	2018004463
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LA ROSA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,939.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2590 NINE LAKE LOOP, 2590, HOMOSASSA, FL 34448-8927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7004 BLUESTEM RD, HARMONY, FL 34773-6027

Mortgage

Document Number	2018004464
Date	Jan 8, 2018
Instrument	2018004464

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 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	$4,429.00 (+4.93%) Homeowner's exemption	$309,095 (+5.99%)	$473,100 (+12.43%) Land $65,000 Building $408,100
2024	$4,221.00 (+2.13%)
2023	$4,133.00 (+4.05%) Homeowner's exemption	$291,635 (+3%)	$420,800 (+14.88%) Land $55,000 Building $365,800
2022	$3,972.00 Homeowner's exemption	$283,141	$366,300 Land $55,000 Building $311,300

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 A, 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	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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