6512 Cottage Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6512 Cottage Ln, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2005
Square Footage	2,910 sqft Living Area
Lot Size	22,476 sqft (0.516 acres)
Occupancy	Owner Occupied
Last Sale	$89,486 (2017)
Tax Bill	$4,748.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`02-26-31-4433-0001-0880`
Alternative APNs	`263102443300010880` `127550`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,910 sqft Living Area
Gross Area	4,091 sqft Gross Area
1st Floor	2,910 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	22,476 sqft (0.516 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	697 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	36 sqft Pool
Deck Area	951 sqft Deck
Porch Area	484 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	6512 COTTAGE LN
City	SAINT CLOUD
State	FL
Zip	34771-8805
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 88
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE STAGE 2
Legal Tract	4433
Legal Block	880
Legal Lot Number	88
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	1
Census Block	1040
Census Tract	43801

Owner

Source: Osceola County records · APN 02-26-31-4433-0001-0880

Assessment roll updated November 26, 2025 · Last verified April 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	6512 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Tenants In Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 19, 2017 · Amount on Record
Deed Sale	Jul 19, 2017 · Amount on Record
Prior Sale	Apr 12, 2011 · Amount on Record
Deed Doc Number	2017105230
Deed Book / Page	5181 / 1826
Prior Transfer Date	Jun 01, 2017
Prior Transfer Doc	0051811826
Record Refreshed	Jun 08, 2026

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2017
Property Address	6512 COTTAGE LN, SAINT CLOUD, FL 34771-8805
Document Number	0051811826
Book / Page	5181 / 1826
Map Reference	MB17 PG35&36
Instrument Date	Jun 01, 2017
Instrument	2017105230
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$625.99
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Document

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6512 COTTAGE LN, SAINT CLOUD, FL 34771-8805

Mortgage

Document Number	0051811827
Date	Jul 19, 2017
Instrument	5181/1827

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,973.00 (+4.74%) Homeowner's exemption	$348,399 (+5.99%)	$501,500 (+1.91%) Land $65,000 Building $436,500
2024	$4,748.00 (+2.09%)
2023	$4,651.00 (+3.93%) Homeowner's exemption	$328,720 (+3%)	$492,100 (+25.47%) Land $65,000 Building $427,100
2022	$4,475.00 Homeowner's exemption	$319,146	$392,200 Land $60,000 Building $332,200

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.