645 Cotulla Dr, Kissimmee, FL 34758 Property Records

Osceola County property record for 645 Cotulla Dr, Kissimmee, FL 34758

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 1999
Lot Size	0.176 acres (7,710 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (May 2021)
Tax Bill	$3,053 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`23668`

Property Details

APN / Parcel Number

Primary APN	`23668`
Alternative APN	`252628611414070120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,292 sqft Heated Area
Gross Area	1,917 sqft
1st Floor Area	1,292 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.176 acres)
Lot Dimensions	87 ft deep x 87 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	225 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	23668
Street Address	645 COTULLA DR
City	KISSIMMEE
State	FL
Zip	34758-3269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	POINCIANA V1 NBD 1S PB 3 PG 9 BLK 1407 LOT 12 1/27/28
Legal Range	28E
Legal Township	26S
Legal Section	25
Legal Subdivision	POINC VLG 1 NBD 1 S
Legal Tract	6114
Legal Block	1407
Legal Lot Number	1,12
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1012
Census Tract	41301

Owner

645 Cotulla Dr is owned and occupied by an individual who bought it in May 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	645 COTULLA DR, KISSIMMEE, FL 34758-3269
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
Oct 10, 2025	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 23, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 14, 2021	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on File
Deed Sale	May 14, 2021 · Amount on File
Prior Sale	Oct 21, 2015 · Amount on File
Deed Document Number	2021074432
Deed Book / Page	5958 / 1095
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	645 COTULLA DR, KISSIMMEE, FL 34758-3269
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 COTULLA DR, KISSIMMEE, FL 34758-3269

Mortgage

Document Number	0068630314
Date	Oct 10, 2025
Book Page	6863/314
Instrument	2025126096

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	308 Months
Due	Jun 1, 2051

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	645 COTULLA DR, KISSIMMEE, FL 34758-3269
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 COTULLA DR, KISSIMMEE, FL 34758-3269

Mortgage

Document Number	0064932479
Date	Oct 23, 2023
Book Page	6493/2479
Instrument	2023139278

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2021
Property Address	645 COTULLA DR, KISSIMMEE, FL 34758-3269
Document Number	0059581095
Book / Page	5958 / 1095
Map Reference	MB 3 PG 9-16
Instrument Date	May 12, 2021
Instrument	2021074432
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 COTULLA DR, KISSIMMEE, FL 34758-3269

Mortgage

Document Number	59581082
Date	May 14, 2021
Instrument	5958/1082

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 645 Cotulla Dr was $3,053 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$3,053.00 Homeowner's exemption	$209,817	$211,300 Land $50,000 Building $161,300
2023	$2,825.00 (+4.59%) Homeowner's exemption	$197,966 (+3%)	$220,100 (+14.52%) Land $48,000 Building $172,100
2022	$2,701.00 Homeowner's exemption	$192,200 Land $37,000 Building $155,200	$192,200 Land $37,000 Building $155,200

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

Flood

FEMA maps place 645 Cotulla Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	69.1 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 174 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	174 in force
Nearby Flood Claims	8 (2016–2022)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 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

Wildfire risk around 645 Cotulla Dr is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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