Osceola County property record for 6508 Cottage Ln, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,381 sqft · built 2005 |
| Lot Size | 0.512 acres (22,346 sqft) |
| Owner | Individual Name on File |
| Last Sale | $540,000 (Jul 2022) |
| Tax Bill | $3,444 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 127548 |
| Primary APN | 127548 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,381 sqft Heated Area |
| Gross Area | 3,652 sqft |
| 1st Floor Area | 2,381 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,346 sqft (0.512 acres) |
| Garage Type | Finished |
| Garage Area | 718 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 553 sqft |
| Deck Area | 615 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 127548 |
|---|---|
| Street Address | 6508 COTTAGE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 86 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE-STATE ONE |
| Legal Tract | 4433 |
| Legal Block | 1 |
| Legal Lot Number | 86 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 43801 |
Source: Osceola County records · APN 127548
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 6508 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jul 19, 2022 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 19, 2022 · Amount on Record |
| Deed Sale | Jul 19, 2022 · Amount on Record |
| Prior Sale | Mar 02, 2005 · Amount on Record |
| Deed Document Number | 2022110493 |
| Deed Book / Page | 6253 / 1230 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6508 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0050901536 |
|---|---|
| Date | Jan 24, 2017 |
| Book Page | 5090/1536 |
| Instrument | 2017012931 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 19, 2022 |
| Property Address | 6508 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0062531230 |
| Book / Page | 6253 / 1230 |
| Map Reference | MB 17 PG 35&36 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 2022110493 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6508 COTTAGE LN, 6508, SAINT CLOUD, FL 34771-8805 |
| Name | Verified Name |
|---|---|
| Address | 6508 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0062531232 |
|---|---|
| Date | Jul 19, 2022 |
| Instrument | 6253/1232 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,444.00 (+7.73%) Homeowner's exemption | $238,020 (+5.99%) | $428,200 (+1.61%) Land $65,000 Building $363,200 |
| 2023 | $3,197.00 (+6.35%) Homeowner's exemption | $224,575 (+4.92%) | $421,400 (+26.39%) Land $65,000 Building $356,400 |
| 2022 | $3,006.00 Homeowner's exemption | $214,050 | $333,400 Land $60,000 Building $273,400 |
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 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 207 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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