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6513 Cottage Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6513 Cottage Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,444 sqft · built 2008
Lot Size0.501 acres (21,824 sqft)
OwnerIndividual Name on File
Last Sale$617,500 (Mar 2023)
Tax Bill$5,912 (2025)
Deeds & MortgagesMar 2023 Sale & Mortgage
Jul 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN127554

Property Details

APN / Parcel Number

Primary APN127554
Alternative APN
  • 022631443300010920

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,444 sqft Heated Area
Gross Area3,761 sqft
1st Floor Area2,444 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,824 sqft (0.501 acres)
Garage TypeFinished
Garage Area864 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool Area260 sqft
PorchOpen Porch
Porch Area453 sqft
Deck Area380 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number127554
Street Address6513 COTTAGE LN
CitySAINT CLOUD
StateFL
Zip34771-8803
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 92
Legal Range31E
Legal Township26S
Legal Section02
Legal SubdivisionNORTHSHORE-STATE ONE
Legal Tract4433
Legal Block1
Legal Lot Number92
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group1
Census Block1034
Census Tract43801

Owner

Source: Osceola County records · APN 127554

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 Address6513 COTTAGE LN, SAINT CLOUD, FL 34771-8803
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 17, 2023Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Jul 15, 2021Deed of Trust, Mortgage · VA Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 17, 2023 · Amount on Record
Deed SaleMar 17, 2023 · Amount on Record
Prior SaleMay 13, 2015 · Amount on Record
Deed Document Number2023031061
Deed Book / Page6372 / 2948
Record UpdatedJun 08, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 17, 2023
Property Address6513 COTTAGE LN, SAINT CLOUD, FL 34771-8803
Document Number0063722948
Book / Page6372 / 2948
Map ReferenceMB 17 PG 35&36
Instrument DateMar 09, 2023
Instrument2023031061
Transaction TypeTransfer
Record UpdatedMar 30, 2023
Title CompanyELEVATED TITLE LLC, ELEVATED TITLE GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,322.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4359 ALBRITTON RD, SAINT CLOUD, FL 34772-7929

Transferred To (Grantee/Buyer)

NameVerified Name
Address6513 COTTAGE LN, SAINT CLOUD, FL 34771-8803

Mortgage

Document Number0063722950
DateMar 17, 2023
Instrument6372/2950
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6513 COTTAGE LN, SAINT CLOUD, FL 34771-8803
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address6513 COTTAGE LN, SAINT CLOUD, FL 34771-8803

Mortgage

Document Number0060021888
DateJul 15, 2021
Book Page6002/1888
Instrument2021109666
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,912.00 (+852.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$421,174 (+69.65%)$452,500 (+1.57%) Land $65,000 Building $387,500
2023$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$248,258 (+3%)$445,500 (+25.6%) Land $65,000 Building $380,500
2022$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$241,028$354,700 Land $60,000 Building $294,700

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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