Osceola County property record for 830 Oak Shore Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,090 sqft · built 1997 |
| Lot Size | 0.747 acres (32,539 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $485,000 (Dec 2019) |
| Tax Bill | $4,933 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 19-25-31-4455-0001-0020 |
| Primary APN | 19-25-31-4455-0001-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,090 sqft Living Area |
| Gross Area | 5,054 sqft |
| 1st Floor Area | 1,232 sqft |
| Upper Floors Area | 1,858 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 32,539 sqft (0.747 acres) |
| Lot Dimensions | 232 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 1,264 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 830 OAK SHORE DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS1 |
| Legal Description | OAK SHORE ESTATES PB 2 PG 044 LOT 2 & VAC LAKE AVE ABUTTING LOT 2 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 19 |
| Legal Subdivision | OAK SHORE ESTATES |
| Legal Tract | 4455 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
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 | 830 OAK SHORE DR, SAINT CLOUD, FL 34771-7840 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2019 · Amount on Record |
| Deed Sale | Dec 11, 2019 · Amount on Record |
| Deed Document Number | 2019160676 |
| Deed Book / Page | 5638 / 2538 |
| Last Transfer Date | Aug 6, 2024 |
| Transfer Doc | 0066492251 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 11, 2019 |
| Property Address | 830 OAK SHORE DR, SAINT CLOUD, FL 34771-7840 |
| Document Number | 0056382538 |
| Book / Page | 5638 / 2538 |
| Map Reference | MB 2 PG 44 |
| Instrument Date | Dec 10, 2019 |
| Instrument | 2019160676 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 N SANS SOUCI AVE, 228, DELAND, FL 32720-4205 |
| Name | Verified Name |
|---|---|
| Address | 1280 PALM BLUFF DR, APOPKA, FL 32712-2468 |
| Document Number | 0056382539 |
|---|---|
| Date | Dec 11, 2019 |
| Instrument | 5638/2539 |
| Name | PMAC LENDING SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Jan 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4.99% |
| Max Rate At Change | 6.99% |
| Index | 1-Year LIBOR |
| Max Rate | 10.9% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,933.00 (+4.76%) | $345,508 (+5.99%) | $629,000 (+11.17%) Land $290,000 Building $339,000 |
| 2024 | $4,709.00 (+2.08%) | ||
| 2023 | $4,613.00 (+3.94%) Homeowner's exemption | $325,992 (+3%) | $565,800 (+32.94%) Land $290,000 Building $275,800 |
| 2022 | $4,438.00 Homeowner's exemption | $316,498 | $425,600 Land $110,000 Building $315,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink, Xfinity.
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