Osceola County property record for 6507 Cottage Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,532 sqft · built 2018 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $56,000 (Jan 2017) |
| Tax Bill | $3,867 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Jan 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-26-31-4432-0001-00F0 |
| Primary APN | 02-26-31-4432-0001-00F0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,532 sqft Living Area |
| Gross Area | 3,775 sqft |
| 1st Floor Area | 2,532 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 335 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 583 sqft |
| Deck Area | 831 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 6507 COTTAGE LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPUD |
| Legal Description | BEG AT NE COR OF LOT 93 NORTHSHORE-STAGE TWO PB 17 PGS 35-36, N 25 E 135.41 FT TO POB; N 65 DEG W 182.64 FT TO NON-TANG CURVE, CURVE TO LEFT, RAD 494 FT, CENT ANG 13 DEG, NLY ALONG CURVE 116.19 FT, S 65 DEG 220.97 FT, S 25 DEG W 109.40 FT TO POB |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE STAGE 1 |
| Legal Tract | F |
| Legal Block | F0 |
| Legal Lot Number | 93 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
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 | 6507 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2017 | Deed of Trust, Mortgage · ARM SEACOAST NATIONAL BANK |
| Jan 23, 2017 | Warranty Deed, Transfer LA ROSA TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2017 · Amount on Record |
| Deed Sale | Jan 23, 2017 · Amount on Record |
| Prior Sale | Sep 2, 2015 · Amount on Record |
| Deed Document Number | 201712237 |
| Deed Book / Page | 5089 / 2550 |
| Prior Transfer Date | Jan 18, 2011 |
| Prior Transfer Doc | 0040840969 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6507 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052461133 |
|---|---|
| Date | Nov 30, 2017 |
| Book Page | 5246/1133 |
| Instrument | 2017170024 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Type Change Date | Dec 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year LIBOR |
| Max Rate | 9.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 23, 2017 |
| Property Address | 6507 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Number | 0050892550 |
| Book / Page | 005089 / 002550 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 12237 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2017 |
| Title Company | LA ROSA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $392.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5078 LOBLOLLY BAY LN ORLANDO FL 328298733, ORLANDO, FL 32829-8733 |
Source: Osceola County assessment roll, as of November 26, 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 | $3,867.00 (+5.17%) Homeowner's exemption | $268,559 (+5.99%) | $504,200 (+2.27%) Land $65,000 Building $439,200 |
| 2024 | $3,677.00 (+2.17%) | ||
| 2023 | $3,599.00 (+4.23%) Homeowner's exemption | $253,390 (+3%) | $493,000 (+25.29%) Land $65,000 Building $428,000 |
| 2022 | $3,453.00 Homeowner's exemption | $246,010 | $393,500 Land $60,000 Building $333,500 |
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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