6501 Cottage Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6501 Cottage Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,104 sqft · built 2017
Lot Size	0.605 acres (26,354 sqft)
Owner	2 Individual Names on File
Last Sale	$286,000 (Jul 2017)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95266`

Property Details

APN / Parcel Number

Primary APN	`95266`
Alternative APN	`022631443200010710`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,104 sqft Heated Area
Gross Area	2,853 sqft
1st Floor Area	2,104 sqft
Upper Floors Area	973 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Masonry

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,354 sqft (0.605 acres)
Garage Type	Finished
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Open Porch
Porch Area	278 sqft
Deck Area	384 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95266
Street Address	6501 COTTAGE LN
City	SAINT CLOUD
State	FL
Zip	34771-8811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHSHORE-STAGE ONE PB 10 PG 154-156 LOT 71
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4432
Legal Block	1
Legal Lot Number	71
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

Source: Osceola County records · APN 95266

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	6501 COTTAGE LN, SAINT CLOUD, FL 34771-8811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 21, 2017 · Amount on Record
Deed Sale	Jul 21, 2017 · Amount on Record
Prior Sale	Jan 13, 2005 · Amount on Record
Deed Document Number	0005184788
Deed Book / Page	5184 / 788
Last Transfer Date	Jul 25, 2017
Transfer Doc	0051840788
Record Updated	Jun 08, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2017
Property Address	6501 COTTAGE LN, SAINT CLOUD, FL 34771-8811
Document Number	0051840788
Book / Page	005184 / 000788
Instrument Date	Jul 21, 2017
Instrument	107908
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	TITLE ONE FLORIDA LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,002.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1647 PORTOFINO MEADOWS BLVD ORLANDO FL 328244702, ORLANDO, FL 32824-4702

Mortgage

Document Number	51840790
Date	Jul 25, 2017
Book Page	005184/000790
Instrument	107909

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$271,936 (+5.99%)	$395,500 (+1.75%) Land $65,000 Building $330,500
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$256,576 (+3%)	$388,700 (+26.04%) Land $65,000 Building $323,700
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$249,103	$308,400 Land $60,000 Building $248,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 192 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023, rainfall accumulation

Wildfire

Wildfire Risk	High above 71% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 345 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 166 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.