Osceola County property record for 6516 Cottage Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,621 sqft · built 2006 |
| Lot Size | 0.708 acres (30,840 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $56,500 (Jan 2005) |
| Tax Bill | $3,947 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-26-31-4433-0001-0900 |
| Primary APN | 02-26-31-4433-0001-0900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,621 sqft Living Area |
| Gross Area | 4,313 sqft |
| 1st Floor Area | 1,336 sqft |
| Upper Floors Area | 1,285 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,840 sqft (0.708 acres) |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 364 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 504 sqft |
| Deck Area | 404 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 6516 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 90 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE STAGE 2 |
| Legal Tract | 4433 |
| Legal Block | 900 |
| Legal Lot Number | 90 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1040 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 6516 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2005 · Amount on Record |
| Deed Sale | Jan 15, 2005 · Amount on Record |
| Deed Document Number | 200511701 |
| Deed Book / Page | 2678 / 2415 |
| Last Transfer Date | Jun 25, 2010 |
| Transfer Doc | 0040070872 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6516 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6516 COTTAGE LN, SAINT CLOUD, FL 34771-8805 |
| Document Number | 0060312357 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 6031/2357 |
| Instrument | 2021133763 |
| Name | INTEREST MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
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 | $3,947.00 (+5.14%) Homeowner's exemption | $274,305 (+5.99%) | $472,900 (+1.83%) Land $65,000 Building $407,900 |
| 2024 | $3,754.00 (+2.15%) | ||
| 2023 | $3,675.00 (+4.2%) Homeowner's exemption | $258,811 (+3%) | $464,400 (+25.55%) Land $65,000 Building $399,400 |
| 2022 | $3,527.00 Homeowner's exemption | $251,273 | $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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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