656 Cotulla Dr, Kissimmee, FL 34758 Property Records

Osceola County property record for 656 Cotulla Dr, Kissimmee, FL 34758

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,755 sqft · built 2023
Lot Size	0.248 acres (10,802 sqft)
Owner	2 Trust Names on File
Last Sale	$204,001 (Aug 2026)
Tax Bill	$3,840 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2022 Construction Loan + 2 more
Flood Zone	Zone AE (high risk)
APN	`25-26-28-6114-1406-0190`

Property Details

APN / Parcel Number

Primary APN	`25-26-28-6114-1406-0190`
Alternative APNs	`262825611414060190` `23651`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,755 sqft Living Area
Gross Area	2,311 sqft
1st Floor Area	1,755 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,802 sqft (0.248 acres)
Lot Dimensions	95 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	656 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 19 1/27/28
Legal Range	28E
Legal Township	26S
Legal Section	25
Legal Subdivision	POINCIANA VLG 1 NBHD 1 SOUTH
Legal Tract	6114
Legal Block	1406
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1006
Census Tract	41301

Owner

656 Cotulla Dr is owner-occupied and held in a trust since August 2026.

Source: Osceola County records, as of August 25, 2026

Owner of Record	2 Trust Names on File
Mailing Address	656 COTULLA DR, KISSIMMEE, FL 34758-3268
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Aug 13, 2026	Certificate of Transfer, Transfer
May 19, 2022	Deed of Trust, Mortgage · Construction Mortgage SHEPHERDS FINANCE LLC
May 22, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Mar 14, 2022	Warranty Deed, Transfer · Commercial Mortgage SHEPHERD S FINANCE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2026 · Amount on File
Deed Sale	Aug 13, 2026 · Amount on File
Prior Sale	May 22, 2023 · Amount on File
Deed Document Number	2026105729
Deed Book / Page	7019 / 749
Record Updated	Oct 29, 2026

August 2026: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 13, 2026
Property Address	656 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0000105729
Book / Page	7019 / 749
Instrument Date	Aug 13, 2026
Instrument	2026105729
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Amount	Amount on Record
Tax	$144,229.01
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	656 COTULLA DR, KISSIMMEE, FL 34758-3268
Transaction Type	Mortgage
Record Updated	Jan 22, 2024
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 CELEBRATION AVE, CELEBRATION, FL 34747-4865

Mortgage

Document Number	0062170419
Date	May 19, 2022
Book Page	6217/419
Instrument	2022079049

Lender

Name	SHEPHERDS FINANCE LLC
Type	Non-Lending Institution
Address	JACKSONVILLE, FL 32258

Agreement

Type	Construction Mortgage
Amount	Amount on Record

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 22, 2023
Property Address	656 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0064110053
Book / Page	6411 / 53
Map Reference	MB 3 PG 9-16
Instrument Date	May 12, 2023
Instrument	2023064956
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,330.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1230 CELEBRATION AVE, CELEBRATION, FL 34747-4865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 COTULLA DR, POINCIANA, FL 34758-3268

Mortgage

Document Number	0000641155
Date	May 22, 2023
Instrument	6411/55

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 14, 2022
Property Address	656 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0061701016
Book / Page	6170 / 1016
Map Reference	MB 3 PG 9-16
Instrument Date	Mar 2, 2022
Instrument	2022040207
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6210 WOODSIDE AVE APT 101, 101, WOODSIDE, NY 11377-3681

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 CELEBRATION AVE, CELEBRATION, FL 34747-4865

Mortgage

Document Number	0061701018
Date	Mar 14, 2022
Instrument	6170/1018

Lender

Name	SHEPHERD S FINANCE LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 656 Cotulla Dr was $3,840 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 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	$3,840.00 Homeowner's exemption	$266,600 Land $50,000 Building $216,600	$266,600 Land $50,000 Building $216,600
2023	$1,291.00 (+259.61%)	$48,000 (+29.73%) Land $48,000	$48,000 (+29.73%) Land $48,000
2022	$359.00	$37,000 Land $37,000	$37,000 Land $37,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 656 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 656 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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