Osceola County property record for 6502 Cottage Ln, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 2,145 sqft Living Area |
| Lot Size | 23,565 sqft (0.541 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $535,000 (2022) |
| Tax Bill | $631.00 (2024) |
| Primary APN | 02-26-31-4432-0001-0690 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,145 sqft Living Area |
| Gross Area | 3,297 sqft Gross Area |
| 1st Floor | 2,145 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 23,565 sqft (0.541 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 744 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 308 sqft Pool |
| Deck Area | 566 sqft Deck |
| Porch Area | 408 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 6502 COTTAGE LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8805 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NORTHSHORE-STAGE ONE PB 10 PG 154-156 LOT 69 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE STAGE 1 |
| Legal Tract | 4432 |
| Legal Block | 690 |
| Legal Lot Number | 69 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1040 |
| Census Tract | 43801 |
Source: Osceola County records · APN 02-26-31-4432-0001-0690
Assessment roll updated November 26, 2025 · Last verified April 2026
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 | 6502 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Nov 30, 2022 | Warranty Deed, Transfer · Veterans Administration Mortgage NAVY FCU |
| Apr 10, 2017 | Deed of Trust, Mortgage · Veterans Administration Mortgage RP FUNDING INC |
| Oct 12, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage R P FNDG INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 30, 2022 · Amount on Record |
| Deed Sale | Nov 30, 2022 · Amount on Record |
| Prior Sale | Apr 26, 2004 · Amount on Record |
| Deed Doc Number | 2022172357 |
| Deed Book / Page | 6322 / 897 |
| Prior Transfer Date | Oct 11, 2016 |
| Prior Transfer Doc | 0050391308 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 30, 2022 |
| Property Address | 6502 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0063220897 |
| Book / Page | 6322 / 897 |
| Map Reference | MB 10 PG 154-156 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 2022172357 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | ALL FLORIDA TITLE AGENCY, ALL FLORIDA TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,745.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2218 DEATA CT, SAINT CLOUD, FL 34772-8578 |
| Name | Verified Name |
|---|---|
| Address | 6502 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0006322899 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 6322/899 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6502 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051292356 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | 5129/2356 |
| Instrument | 2017053414 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6502 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0058192604 |
| Instrument Date | Oct 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 06, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 6502 COTTAGE LN ST CLOUD FL 347718805, ST CLOUD, FL 34771-8805 |
| Document Number | 0058192604 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 005819/002604 |
| Instrument | 144942 |
| Name | R P FNDG INC |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 25, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $712.00 (+12.84%) Homeowner's exemption Veteran's exemption | $396,600 (+1.95%) Land $65,000 Building $331,600 | $396,600 (+1.95%) Land $65,000 Building $331,600 |
| 2024 | $631.00 (+1.61%) | ||
| 2023 | $621.00 (-78.64%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $389,000 (+88%) Land $65,000 Building $324,000 | $389,000 (+25.08%) Land $65,000 Building $324,000 |
| 2022 | $2,907.00 Homeowner's exemption | $206,915 | $311,000 Land $60,000 Building $251,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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