Osceola County property record for 5402 Dove Cottage Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,932 sqft · built 2019 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | Individual Name on File |
| Last Sale | $520,000 (Apr 2026) |
| Tax Bill | $3,379 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-31-0173-0001-1520 |
| Primary APN | 04-26-31-0173-0001-1520 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,932 sqft Living Area |
| Gross Area | 3,795 sqft |
| 1st Floor Area | 2,932 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,325 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 488 sqft |
| Porch | Florida Room |
| Porch Area | 35 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5402 DOVE COTTAGE LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 152 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK EAST PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 152 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
Source: Osceola County records · APN 04-26-31-0173-0001-1520
Assessment roll updated November 26, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5402 DOVE COTTAGE LN, SAINT CLOUD, FL 34771-7624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Apr 29, 2026 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| Aug 08, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on Record |
| Deed Sale | Apr 29, 2026 · Amount on Record |
| Prior Sale | Aug 08, 2019 · Amount on Record |
| Deed Document Number | 202656466 |
| Deed Book / Page | 6963 / 127 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 5402 DOVE COTTAGE LN, SAINT CLOUD, FL 34771-7624 |
| Document Number | 0000056466 |
| Book / Page | 6963 / 127 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 2026.56466 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2026 |
| Title Company | CLOSING TECH LLC, CLOSING CITY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $367,640.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5402 DOVE COTTAGE LN, SAINT CLOUD, FL 34771-7624 |
| Document Number | 0000056467, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 2026..56467 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 08, 2019 |
| Property Address | 5402 DOVE COTTAGE LN, SAINT CLOUD, FL 34771-7624 |
| Document Number | 0055701543 |
| Book / Page | 5570 / 1543 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | Aug 07, 2019 |
| Instrument | 2019102550 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,293.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 MAITLAND CENTER PKWY, 2300, MAITLAND, FL 32751-4129 |
| Name | Verified Name |
|---|---|
| Address | 5402 DOVE COTTAGE LN, SAINT CLOUD, FL 34771-7624 |
| Document Number | 0055701547 |
|---|---|
| Date | Aug 08, 2019 |
| Instrument | 5570/1547 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,379.00 (+3.52%) Homeowner's exemption | $231,709 (+5.99%) | $430,400 (-2.07%) Land $78,800 Building $351,600 |
| 2024 | $3,264.00 (+2.71%) | ||
| 2023 | $3,178.00 (+3.69%) Homeowner's exemption | $218,621 (+3%) | $439,500 (+14.27%) Land $68,200 Building $371,300 |
| 2022 | $3,065.00 Homeowner's exemption | $212,254 | $384,600 Land $68,200 Building $316,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Lumen Technologies, Xfinity.
Based on FCC filings for 187 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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