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6500 Cottage Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6500 Cottage Ln, Saint Cloud, FL 34771 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2006
Square Footage2,742 sqft Living Area
Lot Size23,958 sqft (0.55 acres)
OccupancyOwner Occupied
Last Sale$610,000 (2026)
Tax Bill$712.00 (2025)

Property Details

APN / Parcel Number

Primary APN02-26-31-4432-0001-0680
Alternative APNs
  • 263102443200010680
  • 95263

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,742 sqft Living Area
Gross Area4,135 sqft Gross Area
1st Floor2,742 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area23,958 sqft (0.55 acres)
Parking Spaces4 Parking Spaces
Garage TypeAttached Garage
Garage Area952 sqft Garage
Porch Area441 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address6500 COTTAGE LN
CitySAINT CLOUD
StateFL
Zip34771-8805
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionNORTHSHORE-STAGE ONE PB 10 PG 154-156 LOT 68
Legal Range31E
Legal Township26S
Legal Section02
Legal SubdivisionNORTHSHORE STAGE 1
Legal Tract4432
Legal Block680
Legal Lot Number68
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup1
Census Block1040
Census Tract43801

Owner

Source: Osceola County records · APN 02-26-31-4432-0001-0680

Assessment roll updated November 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2026Warranty Deed, Transfer · Conventional Mortgage
CMG MORTGAGE INC
Apr 30, 2026Warranty Deed, Transfer · Conventional Mortgage
CMG MORTGAGE INC
Aug 20, 2021Warranty Deed, Transfer · Veterans Administration Mortgage
MOVEMENT MORTGAGE
Nov 14, 2017Warranty Deed, Transfer · Line of Credit
TRUSTCO BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 30, 2026 · Amount on Record
Deed SaleApr 30, 2026 · Amount on Record
Prior SaleAug 20, 2021 · Amount on Record
Deed Doc Number202657418
Deed Book / Page6964 / 1091
Record RefreshedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 30, 2026
Property Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number0000057418
Book / Page6964 / 1091
Instrument DateApr 29, 2026
Instrument2026.57418
Transaction TypeTransfer
Record UpdatedMay 12, 2026
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$431,270.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805

Mortgage

Document Number0000057419,
DateApr 30, 2026
Instrument2026..57419
Lender
NameCMG MORTGAGE INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6.22%
Initial TypeFixed Rate
Max Rate-1%

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 30, 2026
Property Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number0069641091
Book / Page6964 / 1091
Instrument DateApr 29, 2026
Instrument202657418
Transaction TypeTransfer
Record UpdatedJul 06, 2026
Title CompanySTEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$431,270.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805

Mortgage

Document Number0000057419,
DateApr 30, 2026
Instrument202657419
Lender
NameCMG MORTGAGE INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6.22%
Initial TypeFixed Rate
Max Rate-1%

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 20, 2021
Property Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number0060262987
Book / Page6026 / 2987
Map ReferenceMB 10 PG 154-156
Instrument DateAug 18, 2021
Instrument2021129662
Transaction TypeTransfer
Record UpdatedSep 06, 2021
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,465.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address65 COUNTY ROAD 2835, 65, PITTSBURG, TX 75686-9146

Transferred To (Grantee/Buyer)

NameVerified Name
Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805

Mortgage

Document Number60262988
DateAug 20, 2021
Instrument6026/2988
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 14, 2017
Property Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number0052381775
Book / Page5238 / 1775
Map ReferenceMB10 PG154-156
Instrument DateNov 10, 2017
Instrument2017162089
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyROYALTY TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5837 JACK BRACK RD, 5837, SAINT CLOUD, FL 34771-9239

Transferred To (Grantee/Buyer)

NameVerified Name
Address6500 COTTAGE LN, SAINT CLOUD, FL 34771-8805

Mortgage

Document Number0052381777
DateNov 14, 2017
Instrument5238/1777
Lender
NameTRUSTCO BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (+12.84%) Homeowner's exemption Veteran's exemption$420,509 (+5.99%)$498,400 (+1.69%) Land $65,000 Building $433,400
2024$631.00 (+1.61%)
2023$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$396,756 (+3%)$490,100 (+27.23%) Land $65,000 Building $425,100
2022$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$385,200 Land $60,000 Building $325,200$385,200 Land $60,000 Building $325,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 71% of the US · above 52% of Florida
Wildfire LikelihoodAbout 1 in 345 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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