Osceola County property record for 6514 Cottage Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,422 sqft · built 2017 |
| Lot Size | 0.528 acres (23,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $545,000 (Mar 2025) |
| Tax Bill | $4,543 (2025) |
| Deeds & Mortgages | Oct 2018 Sale Apr 2018 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 127551 |
| Primary APN | 127551 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,422 sqft Heated Area |
| Gross Area | 3,482 sqft |
| 1st Floor Area | 1,629 sqft |
| Upper Floors Area | 793 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 23,000 sqft (0.528 acres) |
| Garage Type | Finished |
| Garage Area | 533 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 527 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 127551 |
|---|---|
| Street Address | 6514 COTTAGE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8805 |
| 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 89 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE-STATE ONE |
| Legal Tract | 4433 |
| Legal Block | 1 |
| Legal Lot Number | 89 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 43801 |
Source: Osceola County records · APN 127551
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 6514 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 04, 2018 | Warranty Deed, Transfer BURNT STORE TITLE AND ESCROW LLC |
| Apr 03, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Apr 03, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Feb 09, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 18, 2025 · Amount on Record |
| Deed Sale | Mar 18, 2025 · Amount on Record |
| Prior Sale | Oct 04, 2018 · Amount on Record |
| Deed Document Number | 2025034309 |
| Deed Book / Page | 6756 / 1935 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 04, 2018 |
| Property Address | 6514 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0054121236 |
| Book / Page | 005412 / 001236 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 149355 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2018 |
| Title Company | BURNT STORE TITLE AND ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,450.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6514 COTTAGE LN ST CLOUD FL 347718805, ST CLOUD, FL 34771-8805 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 03, 2018 |
| Property Address | 6514 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0053102008 |
| Book / Page | 005310 / 002008 |
| Instrument Date | Mar 22, 2018 |
| Instrument | 52253 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2450 SIERRA LN PUNTA GORDA FL 339505017, PUNTA GORDA, FL 33950-5017 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 03, 2018 |
| Property Address | 6514 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0053102003 |
| Book / Page | 005310 / 002003 |
| Instrument Date | Mar 22, 2018 |
| Instrument | 52252 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6514 COTTAGE LN ST CLOUD FL 347718805, ST CLOUD, FL 34771-8805 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 09, 2018 |
| Property Address | 6514 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0052831297 |
| Book / Page | 005283 / 001297 |
| Instrument Date | Feb 09, 2018 |
| Instrument | 22700 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2450 SIERRA LN PUNTA GORDA FL 339505017, PUNTA GORDA, FL 33950-5017 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,543.00 (+7.1%) Homeowner's exemption | $317,370 (+5.99%) | $450,300 (+1.85%) Land $65,000 Building $385,300 |
| 2023 | $4,242.00 (+4.02%) Homeowner's exemption | $299,443 (+3%) | $442,100 (+26.79%) Land $65,000 Building $377,100 |
| 2022 | $4,078.00 Homeowner's exemption | $290,722 | $348,700 Land $60,000 Building $288,700 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | High above 77% of the US · above 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 40 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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