6506 Cottage Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6506 Cottage Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,479 sqft · built 2006
Lot Size	0.513 acres (22,346 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Oct 2022)
Tax Bill	$7,991 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-26-31-4433-0001-0850`

Property Details

APN / Parcel Number

Primary APN	`02-26-31-4433-0001-0850`
Alternative APNs	`263102443300010850` `127547`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,479 sqft Living Area
Gross Area	4,975 sqft
1st Floor Area	2,063 sqft
Upper Floors Area	1,416 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,346 sqft (0.513 acres)
Garage Type	Attached
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	312 sqft
Porch	Finished/Open Porch
Porch Area	714 sqft
Deck Area	470 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	6506 COTTAGE LN
City	SAINT CLOUD
State	FL
Zip	34771-8805
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 85
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE STAGE 2
Legal Tract	4433
Legal Block	850
Legal Lot Number	85
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1040
Census Tract	43801

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	4207 FLOATING ORCHID CT, SAINT CLOUD, FL 34772-8522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage MOVEMENT MORTGAGE
Aug 19, 2022	Quit Claim Deed, Transfer HOMELIGHT SETTLEMENT LLC
May 25, 2022	Warranty Deed, Transfer HOMELIGHT SETTLEMENT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Prior Sale	May 25, 2022 · Amount on Record
Deed Document Number	2022160066
Deed Book / Page	6308 / 927
Prior Transfer Date	Aug 18, 2022
Prior Transfer Doc	0062721001
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 31, 2022
Property Address	6506 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number	0063080927
Book / Page	6308 / 927
Map Reference	MB 17 PG 35&36
Instrument Date	Oct 28, 2022
Instrument	2022160066
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2023
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1375 N SCOTTSDALE RD STE 140, 140, SCOTTSDALE, AZ 85257-3413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4207 FLOATING ORCHID CT, SAINT CLOUD, FL 34772-8522

Mortgage

Document Number	0006308929
Date	Oct 31, 2022
Instrument	6308/929

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 19, 2022
Property Address	6506 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number	0062721001
Book / Page	6272 / 1001
Map Reference	MB 17 PG 35&36
Instrument Date	Aug 18, 2022
Instrument	2022127857
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1375 N SCOTTSDALE RD STE 140, 1375, SCOTTSDALE, AZ 85257-3413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1375 N SCOTTSDALE RD STE 140, 140, SCOTTSDALE, AZ 85257-3413
Investor	Possibly a Property Investor

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 25, 2022
Property Address	6506 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number	0062202021
Book / Page	6220 / 2021
Map Reference	MB 17 PG 35&36
Instrument Date	May 24, 2022
Instrument	2022082420
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Amount	Amount Recorded
Tax	$4,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	905 HARRISON RIDGE RD, 905, DRY RIDGE, KY 41035-7946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1375 N SCOTTSDALE RD, SCOTTSDALE, AZ 85257-3411
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$7,991.00 (+1.38%) Homeowner's exemption Veteran's exemption	$571,200 (+2.05%) Land $65,000 Building $506,200	$571,200 (+2.05%) Land $65,000 Building $506,200
2024	$7,882.00 (+0.96%)
2023	$7,807.00 (+54.32%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$559,700 (+55.08%) Land $65,000 Building $494,700	$559,700 (+26.51%) Land $65,000 Building $494,700
2022	$5,059.00 Homeowner's exemption	$360,916	$442,400 Land $60,000 Building $382,400

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

Flood

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.

Wildfire

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

Wildfire Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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-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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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