Osceola County property record for 6519 Cottage Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,406 sqft · built 2020 |
| Lot Size | 0.506 acres (22,050 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $670,000 (Mar 2026) |
| Tax Bill | $4,983 (2025) |
| Deeds & Mortgages | Mar 2026 Sale Dec 2021 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-26-31-4432-0001-00F4 |
| Primary APN | 02-26-31-4432-0001-00F4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,406 sqft Living Area |
| Gross Area | 3,629 sqft |
| 1st Floor Area | 2,406 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,050 sqft (0.506 acres) |
| Garage Type | Attached |
| Garage Area | 775 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 351 sqft |
| Porch | Finished/Open Porch |
| Deck Area | 1,053 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 6519 COTTAGE LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPUD |
| Legal Description | NORTHSHORE-STAGE ONE PB 10 PG 154-156 A PORTION OF TRACT F & A PORTION OF 01 & 02-26-31: COM AT SW COR OF LOT 91, NORTHSHORE-STAGE TWO PB 17 PGS 35-36, S21-25-09W 38.31 FT TO POB; CONT S21-25-09W 30.01 FT, S19-43-59W 45 FT, S70-16-01E 210.36 FT, N19- |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE STAGE 1 |
| Legal Tract | F |
| Legal Block | 1 |
| Legal Lot Number | F4 |
| 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 02-26-31-4432-0001-00F4
Assessment roll updated November 26, 2025 · Last verified August 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 | 6519 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 03, 2026 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Dec 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU |
| Oct 20, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Dec 06, 2019 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 03, 2026 · Amount on Record |
| Deed Sale | Mar 03, 2026 · Amount on Record |
| Prior Sale | Dec 06, 2019 · Amount on Record |
| Deed Document Number | 202627780 |
| Deed Book / Page | 6930 / 1307 |
| Prior Transfer Date | Oct 13, 2020 |
| Prior Transfer Doc | 0058160318 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 03, 2026 |
| Property Address | 6519 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Number | 0069301307 |
| Book / Page | 6930 / 1307 |
| Map Reference | MB 17 PG 35 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 2026027780 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,690.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2840 STAGECOACH RD, SAINT CLOUD, FL 34772-7802 |
| Name | Verified Name |
|---|---|
| Address | 6519 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6519 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0061200081 |
|---|---|
| Date | Dec 30, 2021 |
| Book Page | 6120/81 |
| Instrument | 2021202219 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 15, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 20, 2020 |
| Property Address | 6519 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Number | 0058160318 |
| Book / Page | 5816 / 318 |
| Map Reference | MB 10 PG 153-156 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 2020141606 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6519 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Number | 0005816319 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 5816/319 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 06, 2019 |
| Property Address | 6519 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Number | 0056360379 |
| Book / Page | 005636 / 000379 |
| Instrument Date | Dec 06, 2019 |
| Instrument | 158475 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $490.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3640 KAISER AVE ST CLOUD FL 347727318, ST CLOUD, FL 34772-7318 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,983.00 (+4.75%) Homeowner's exemption | $349,095 (+5.99%) | $464,100 (+2.29%) Land $65,000 Building $399,100 |
| 2024 | $4,757.00 (+2.08%) | ||
| 2023 | $4,660.00 (+3.93%) Homeowner's exemption | $329,376 (+3%) | $453,700 (+24.81%) Land $65,000 Building $388,700 |
| 2022 | $4,484.00 Homeowner's exemption | $319,783 | $363,500 Land $60,000 Building $303,500 |
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 |
|---|---|
| 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 |
| 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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