Osceola County property record for 6517 Cottage Ln, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,304 sqft · built 2020 |
| Lot Size | 0.521 acres (22,717 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Jan 2020) |
| Tax Bill | $5,025 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Jan 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 166261 |
| Primary APN | 166261 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,304 sqft Heated Area |
| Gross Area | 3,244 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,717 sqft (0.521 acres) |
| Garage Type | Finished |
| Pool Area | 364 sqft |
| Porch | Open Porch |
| Deck Area | 947 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 166261 |
|---|---|
| Street Address | 6517 COTTAGE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTHSHORE-STAGE TWO PB 17 PGS 35-36 A PORTION OF LOT 91 & NORTHSHORE-STAGE ONE PB 10 PGS 154-156 A PORTION OF TRACT F & A |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE-STATE ONE |
| Legal Tract | F |
| Legal Block | 1 |
| Legal Lot Number | 91 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
Source: Osceola County records · APN 166261
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 |
|---|---|
| Mailing Address | 6517 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Jan 10, 2020 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 10, 2020 · Amount on Record |
| Deed Sale | Jan 10, 2020 · Amount on Record |
| Deed Document Number | 2020004772 |
| Deed Book / Page | 5655 / 2479 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6517 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0056830096 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 5683/96 |
| Instrument | 2020029527 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Mar 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Mar 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.37% |
| Index | 1-Year LIBOR |
| Max Rate | 10.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 10, 2020 |
| Property Address | 6517 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Number | 0056552479 |
| Book / Page | 005655 / 002479 |
| Instrument Date | Jan 09, 2020 |
| Instrument | 4772 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $490.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782 |
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 | $5,025.00 (+6.89%) Homeowner's exemption | $352,165 (+5.99%) | $442,600 (+2.26%) Land $65,000 Building $377,600 |
| 2023 | $4,701.00 (+3.91%) Homeowner's exemption | $332,273 (+3%) | $432,800 (+24.51%) Land $65,000 Building $367,800 |
| 2022 | $4,524.00 Homeowner's exemption | $322,596 | $347,600 Land $60,000 Building $287,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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