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935 Oak Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 935 Oak Shore Dr, Saint Cloud, FL 34771

Property Summary

Property TypeVacant Land
Lot Size0.99 acres (43,124 sqft)
Owner2 Company Names on Record
Tax Bill$828 (2024)
Deeds & MortgagesSep 2026 Construction Loan
Jul 2026 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN19-25-31-4260-0001-0208

Property Details

APN / Parcel Number

Primary APN19-25-31-4260-0001-0208
Alternative APN
  • 253119426000010208

Exterior

Lot Area43,124 sqft (0.99 acres)

Location & Zoning

Street AddressJONES RD
CitySAINT CLOUD
StateFL
Zip34771
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionNARCOOSSEE PB 1 PGS 17-19 A PORTION OF LOTS 20 & 39: COM AT INTER OF E R/W OAK SHORE DR & N R/W JONES RD, N08-17-02E 340.52 TO POB; CONT N08-17-02E 273.12 FT, S89-53-15E 140.65, S00-00-00E 270 FT, N90-00-00W 180 FT TO POB
Legal SubdivisionNARCOOSSEE NEW MAP OF
Legal Lot Number20,39
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43600

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 Record2 Company Names on Record
Mailing Address8664 WARWICK SHORE XING, ORLANDO, FL 32829-8024
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Sep 23, 2026Deed of Trust, Mortgage · Construction Mortgage
REGIONS BANK
Jul 23, 2026Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK
Nov 15, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateNov 15, 2024
Transfer Doc0066972020
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateSep 23, 2026
Property Address935 OAK SHORE DR, SAINT CLOUD, FL 34771-8299
Document Number0000122879
Book / Page7038 / 1670
Instrument DateJul 21, 2026
Instrument2026122879
Transaction TypeMortgage
Record UpdatedOct 8, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust, 165
Address8664 WARWICK SHORE XING, XI, ORLANDO, FL 32829-8024

Mortgage

Document Number0000122879,
DateSep 23, 2026
Book Page7038/1670
Instrument2026122879
Lender
NameREGIONS BANK
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.88%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 23, 2026
Property Address935 OAK SHORE DR, SAINT CLOUD, FL 34771-8299
Document Number0000096372
Book / Page7008 / 1409
Instrument DateJul 21, 2026
Instrument202696372
Transaction TypeMortgage
Record UpdatedAug 4, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust, 165
Address8664 WARWICK SHORE XING, XI, ORLANDO, FL 32829-8024

Mortgage

Document Number0000096372,
DateJul 23, 2026
Book Page7008/1409
Instrument202696372
Lender
NameREGIONS BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.88%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

November 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateNov 15, 2024
Property Address935 OAK SHORE DR, SAINT CLOUD, FL 34771-8299
Document Number0066972020
Book / Page6697 / 2020
Map ReferenceMB 1 PG 17-19
Instrument DateNov 15, 2024
Instrument2024146364
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address8664 WARWICK SHORE XING, ORLANDO, FL 32829-8024

Transferred To (Grantee/Buyer)

NameVerified Name
Address8664 WARWICK SHORE XING, ORLANDO, FL 32829-8024

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$60,000 Land $60,000$60,000 Land $60,000
2024$828.00

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 6 claims

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 RiskHigh
above 72% of the US · above 55% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 30 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: CenturyLink, Xfinity.

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