Osceola County property record for 6511 Cottage Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,064 sqft · built 2005 |
| Lot Size | 0.503 acres (21,910 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $36,200 (Mar 2005) |
| Tax Bill | $3,725 (2025) |
| Deeds & Mortgages | Sep 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-26-31-4433-0001-0930 |
| Primary APN | 02-26-31-4433-0001-0930 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,064 sqft Living Area |
| Gross Area | 3,866 sqft |
| 1st Floor Area | 2,661 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,910 sqft (0.503 acres) |
| Garage Type | Attached |
| Garage Area | 772 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 433 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 6511 COTTAGE LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8803 |
| 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 93 & VAC R/W ABUTTING W SIDE OF ABOVE SAID LEGAL |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE STAGE 2 |
| Legal Tract | 4433 |
| Legal Block | 930 |
| 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 Company Names on Record |
|---|---|
| Mailing Address | 6511 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2005 · Amount on Record |
| Deed Sale | Mar 17, 2005 · Amount on Record |
| Deed Document Number | 200565948 |
| Deed Book / Page | 2730 / 1823 |
| Last Transfer Date | Aug 30, 2018 |
| Transfer Doc | 0054020372 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 17, 2018 |
| Property Address | 6511 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Number | 0054020372 |
| Book / Page | 005402 / 000372 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 139930 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6511 COTTAGE LN ST CLOUD FL 347718803, ST CLOUD, FL 34771-8803 |
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 | $3,725.00 (+5.23%) Homeowner's exemption | $258,336 (+5.99%) | $478,000 (+1.68%) Land $65,000 Building $413,000 |
| 2024 | $3,540.00 (+2.19%) | ||
| 2023 | $3,464.00 (+4.27%) Homeowner's exemption | $243,744 (+3%) | $470,100 (+27.09%) Land $65,000 Building $405,100 |
| 2022 | $3,322.00 Homeowner's exemption | $236,645 | $369,900 Land $60,000 Building $309,900 |
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 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.
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 |
5G (outdoors only) and 4G LTE
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