6509 Cottage Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6509 Cottage Ln, Saint Cloud, FL 34771 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,624 sqft · built 2018
Lot Size	0.548 acres (23,870 sqft)
Owner	2 Individual Names on File
Last Sale	$699,900 (Apr 2026)
Tax Bill	$5,169 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-31-0000-0134-0000`

Property Details

APN / Parcel Number

Primary APN	`01-26-31-0000-0134-0000`
Alternative APNs	`263101000001340000` `94938`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,624 sqft Living Area
Gross Area	3,771 sqft
1st Floor Area	2,624 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,870 sqft (0.548 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	260 sqft
Porch	Florida Room
Porch Area	457 sqft
Deck Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6509 COTTAGE LN
City	SAINT CLOUD
State	FL
Zip	34771-8803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT NE COR OF LOT 93, NORTHSHORE-STAGE TWO PB 17 PGS 35-36, N 64 DEG W 148.20 FT, N 24 DEG E 60.02 FT TO NON-TANG CURVE, CURVE RIGHT, RAD 25 FT, RAD PT LIES N 26 DEG E, CENT ANG 83 DEG, NWLY ALONG CURVE 36.27 FT TO REV CURVE, CURVE LEFT, RAD 494 F
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	NORTHSHORE STAGE ONE
Legal Tract	F
Legal Block	134
Legal Lot Number	93
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

Source: Osceola County records · APN 01-26-31-0000-0134-0000

Assessment roll updated November 26, 2025 · Last verified May 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	6509 COTTAGE LN, SAINT CLOUD, FL 34771-8803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK CENTRAL FLORIDA
Apr 13, 2026	Warranty Deed, Transfer · Conventional Mortgage U S BANK N A
Dec 01, 2017	Warranty Deed, Subdivision Related Transfer STEWART TITLE
Feb 09, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Dec 01, 2017 · Amount on Record
Deed Document Number	202648486
Deed Book / Page	6953 / 2869
Prior Transfer Date	Jan 18, 2011
Prior Transfer Doc	0040840970
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6509 COTTAGE LN, SAINT CLOUD, FL 34771-8803
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 COTTAGE LN, SAINT CLOUD, FL 34771-8803

Mortgage

Document Number	0069101485
Date	Jan 21, 2026
Book Page	6910/1485
Instrument	2026008312

Lender

Name	FIFTH THIRD BANK CENTRAL FLORIDA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 25, 2055

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2026
Property Address	6509 COTTAGE LN, SAINT CLOUD, FL 34771-8803
Document Number	0069532869
Book / Page	6953 / 2869
Instrument Date	Apr 09, 2026
Instrument	2026.48486
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$494,829.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 COTTAGE LN, SAINT CLOUD, FL 34771-8803

Mortgage

Document Number	0000048487,
Date	Apr 13, 2026
Instrument	2026..48487

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 01, 2017
Property Address	6509 COTTAGE LN, SAINT CLOUD, FL 34771-8803
Document Number	0052471279
Book / Page	005247 / 001279
Instrument Date	Dec 01, 2017
Instrument	171191
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 03, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$455.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14650 TRAPPER RD ORLANDO FL 328374706, ORLANDO, FL 32837-4706

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 09, 2017
Property Address	6509 COTTAGE LN, SAINT CLOUD, FL 34771-8803
Document Number	0051001852
Book / Page	005100 / 001852
Instrument Date	Feb 06, 2017
Instrument	23026
Transaction Type	Transfer
Record Updated	Mar 30, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$5,169.00 (+4.7%) Homeowner's exemption	$362,508 (+5.99%)	$508,500 (+2.17%) Land $65,000 Building $443,500
2024	$4,937.00 (+2.07%)
2023	$4,837.00 (+3.89%) Homeowner's exemption	$342,032 (+3%)	$497,700 (+25.71%) Land $65,000 Building $432,700
2022	$4,656.00 Homeowner's exemption	$332,070	$395,900 Land $60,000 Building $335,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 192 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	High above 83% of the US · above 74% of Florida
Wildfire Likelihood	About 1 in 162 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 40 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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