Osceola County property record for 6505 Cottage Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,077 sqft · built 2005 |
| Lot Size | 5.07 acres (221,285 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Mar 2017) |
| Tax Bill | $11,537 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 127545 |
| Primary APN | 127545 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,077 sqft Heated Area |
| Gross Area | 5,118 sqft |
| 1st Floor Area | 3,077 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 221,285 sqft (5.07 acres) |
| Garage Type | Finished |
| Garage Area | 3,000 sqft |
| Parking Spaces | 15 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 15 sqft |
| Porch | Porch |
| Porch Area | 611 sqft |
| Deck Area | 795 sqft |
| Patio Area | 576 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 127545 |
|---|---|
| Street Address | 6505 COTTAGE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-2 |
| Legal Description | NORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 83 AND TRACT F FROM SW COR GOVT LOT 13, N 516.76 FT & E 360.34 FT TO POB; S 65 DEG E |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE-STATE ONE |
| Legal Tract | F |
| Legal Block | 1 |
| Legal Lot Number | 13,83 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
Source: Osceola County assessment roll, as of July 1, 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 6505 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 10, 2017 · Amount on Record |
| Deed Sale | Mar 10, 2017 · Amount on Record |
| Deed Document Number | 0005115914 |
| Deed Book / Page | 2680 / 1157 |
| Prior Transfer Date | Jan 18, 2005 |
| Prior Transfer Doc | 2005013396 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,537.00 (+51.32%) | $781,300 (+44.26%) Land $232,600 Building $548,700 | $781,300 (+1.38%) Land $232,600 Building $548,700 |
| 2023 | $7,624.00 (+3.53%) Homeowner's exemption | $541,575 (+3%) | $770,700 (+18.15%) Land $232,600 Building $538,100 |
| 2022 | $7,364.00 Homeowner's exemption | $525,801 | $652,300 Land $227,600 Building $424,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 192 policies |
| 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 83% of the US · above 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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