6650 Bay Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6650 Bay Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,716 sqft · built 1973
Lot Size	0.505 acres (21,997 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Apr 2018)
Tax Bill	$4,014 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-2595-0001-0870`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-2595-0001-0870`
Alternative APNs	`263113259500010870` `97488`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,716 sqft Living Area
Gross Area	3,163 sqft
1st Floor Area	1,716 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
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	528 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	338 sqft
Porch	Slab
Porch Area	919 sqft
Deck Area	542 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	176 sqft
Pole Barn	128 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6650 BAY SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-9570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	BAY LAKES EST LOT 87 PB 2 PG 86 & 87
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	BAY LAKE ESTATES
Legal Tract	2595
Legal Block	870
Legal Lot Number	87
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

Owner

6650 Bay Shore Dr is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	6650 BAY SHORE DR, SAINT CLOUD, FL 34771-9570
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 29, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 3, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Prior Sale	May 2, 2003 · Amount on File
Deed Document Number	201851592
Deed Book / Page	5310 / 432
Prior Transfer Date	Jun 5, 2002
Prior Transfer Doc	2064000588
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6650 BAY SHORE DR, SAINT CLOUD, FL 34771-9570
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0065572316
Date	Feb 29, 2024
Book Page	6557/2316
Instrument	2024026976

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	7007 BROADWAY AVE, CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2054

Interest

Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 3, 2018
Property Address	6650 BAY SHORE DR, SAINT CLOUD, FL 34771-9570
Document Number	0053100432
Book / Page	5310 / 0432
Map Reference	MB2 PG86&87
Instrument Date	Mar 29, 2018
Instrument	2018051592
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2930 MARJORIE RD, 2930, SAINT CLOUD, FL 34772-8044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6650 BAY SHORE DR, SAINT CLOUD, FL 34771-9570

Mortgage

Document Number	2018051593
Date	Apr 3, 2018
Instrument	2018051593

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 6650 Bay Shore Dr was $4,014 with a homeowner's exemption, up 5.1% 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	$4,014.00 (+5.08%) Homeowner's exemption	$279,206	$387,600 Land $63,800 Building $323,800
2024	$3,820.00 (+2.17%)
2023	$3,739.00 (+4.18%) Homeowner's exemption	$263,435 (+3%)	$352,600 (+12.72%) Land $63,800 Building $288,800
2022	$3,589.00 Homeowner's exemption	$255,763	$312,800 Land $63,200 Building $249,600

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

Flood

FEMA maps place 6650 Bay Shore Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 6650 Bay Shore Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% 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 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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