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6510 Cottage Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6510 Cottage Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,903 sqft · built 2005
Lot Size0.548 acres (23,914 sqft)
OwnerIndividual Name on File
Last Sale$445,000 (Jun 2021)
Tax Bill$6,130 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Mar 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN127549

Property Details

APN / Parcel Number

Primary APN127549
Alternative APN
  • 022631443300010870

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,903 sqft Heated Area
Gross Area4,907 sqft
1st Floor Area1,648 sqft
Upper Floors Area1,255 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area23,914 sqft (0.548 acres)
Garage TypeDetached - Finished
Garage Area640 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

Pool Area390 sqft
PorchPorch
Porch Area836 sqft
Deck Area1,535 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number127549
Street Address6510 COTTAGE LN
CitySAINT CLOUD
StateFL
Zip34771-8805
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 87
Legal Range31E
Legal Township26S
Legal Section02
Legal SubdivisionNORTHSHORE-STATE ONE
Legal Tract4433
Legal Block1
Legal Lot Number87
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group1
Census Block1040
Census Tract43801

Owner

Source: Osceola County records · APN 127549

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address6510 COTTAGE LN, SAINT CLOUD, FL 34771-8805
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 09, 2021Warranty Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Mar 01, 2021Deed of Trust, Mortgage · Line of Credit
THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 09, 2021 · Amount on Record
Deed SaleJun 09, 2021 · Amount on Record
Prior SaleMar 04, 2015 · Amount on Record
Deed Document Number2021090007
Deed Book / Page5977 / 1828
Record UpdatedJun 08, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 09, 2021
Property Address6510 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number0059771828
Book / Page5977 / 1828
Map ReferenceMB 17 PG 35&36
Instrument DateMay 27, 2021
Instrument2021090007
Transaction TypeTransfer
Record UpdatedJun 24, 2021
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,115.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4246 SAFARI RUN, 4246, TALLAHASSEE, FL 32309-5835

Transferred To (Grantee/Buyer)

NameVerified Name
Address6510 COTTAGE LN, SAINT CLOUD, FL 34771-8805

Mortgage

Document Number59771830
DateJun 09, 2021
Instrument5977/1830
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6510 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Transaction TypeMortgage
Record UpdatedMar 22, 2021
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0059001755
DateMar 01, 2021
Book Page5900/1755
Instrument2021029226
Lender
NameTHIRD FSLA OF CLEVELAND
TypeBank
AddressCLEVELAND, OH 44105
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueFeb 10, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,130.00 (+6.59%) Homeowner's exemption$431,904 (+5.99%)$557,600 (+1.99%) Land $65,000 Building $492,600
2023$5,751.00 (+3.73%) Homeowner's exemption$407,507 (+3%)$546,700 (+25.51%) Land $65,000 Building $481,700
2022$5,544.00 Homeowner's exemption$395,638$435,600 Land $60,000 Building $375,600

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 77% of the US · above 65% of Florida
Wildfire LikelihoodAbout 1 in 207 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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