652 Cotulla Dr, Kissimmee, FL 34758 Property Records

Osceola County property record for 652 Cotulla Dr, Kissimmee, FL 34758

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,744 sqft · built 2001
Lot Size	0.176 acres (7,710 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jun 2023)
Tax Bill	$3,613 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2018 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`23653`

Property Details

APN / Parcel Number

Primary APN	`23653`
Alternative APN	`252628611414060210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,744 sqft Heated Area
Gross Area	2,248 sqft
1st Floor Area	1,744 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.176 acres)
Lot Dimensions	87 ft deep x 87 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	23653
Street Address	652 COTULLA DR
City	KISSIMMEE
State	FL
Zip	34758-3268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	POINCIANA V1 NBD 1S PB 3 PG 9 BLK 1406 LOT 21 1/27/28
Legal Range	28E
Legal Township	26S
Legal Section	25
Legal Subdivision	POINC VLG 1 NBD 1 S
Legal Tract	6114
Legal Block	1406
Legal Lot Number	1,21
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1006
Census Tract	41301

Owner

652 Cotulla Dr is owned and occupied by an individual who bought it in June 2023.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	14036 COLONIAL GRAND BLVD APT 802, 802, ORLANDO, FL 32837-4825
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 16, 2018	Loan Modification, Mortgage · Conventional Mortgage US BK
Mar 16, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023 · Amount on File
Deed Sale	Jun 26, 2023 · Amount on File
Prior Sale	Oct 13, 2014 · Amount on File
Deed Document Number	2023082147
Deed Book / Page	6430 / 1965
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 26, 2023
Property Address	652 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0064301965
Book / Page	6430 / 1965
Map Reference	MB 3 PG 9-16
Instrument Date	Jun 6, 2023
Instrument	2023082147
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PRESTWICK PLACE, KISSIMMEE, FL 34759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 COTULLA DR, KISSIMMEE, FL 34758-3268

Mortgage

Document Number	0064301967
Date	Jun 26, 2023
Instrument	6430/1967

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	652 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0053140311
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 COTULLA DR KISSIMMEE FL 347583268, KISSIMMEE, FL 34758-3268

Mortgage

Document Number	0053140311
Date	Apr 10, 2018
Book Page	005314/000311
Instrument	55541

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	652 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0053140402
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 COTULLA DR KISSIMMEE FL 347583268, KISSIMMEE, FL 34758-3268

Mortgage

Document Number	0053140402
Date	Apr 10, 2018
Book Page	005314/000402
Instrument	55561

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 652 Cotulla Dr was $3,613 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,613.00 Homeowner's exemption	$250,200 Land $50,000 Building $200,200	$250,200 Land $50,000 Building $200,200
2023	$1,711.00 (+5.75%) Homeowner's exemption	$118,186 (+3%)	$261,500 (+13.89%) Land $48,000 Building $213,500
2022	$1,618.00 Homeowner's exemption	$114,744	$229,600 Land $37,000 Building $192,600

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.

Flood

FEMA maps place 652 Cotulla Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	69.1 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 174 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	174 in force
Nearby Flood Claims	8 (2016–2022)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims

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.

Wildfire

Wildfire risk around 652 Cotulla Dr is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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