678 Cotulla Dr, Kissimmee, FL 34758 Property Records

Osceola County property record for 678 Cotulla Dr, Kissimmee, FL 34758

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,656 sqft · built 2005
Lot Size	0.189 acres (8,232 sqft)
Owner	Individual Name on File
Last Sale	$173,500 (Aug 2005)
Tax Bill	$1,928 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-26-28-6114-1406-0080`

Property Details

APN / Parcel Number

Primary APN	`25-26-28-6114-1406-0080`
Alternative APNs	`262825611414060080` `23640`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	2,282 sqft
1st Floor Area	1,656 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,232 sqft (0.189 acres)
Lot Dimensions	90 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	678 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 8 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	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1006
Census Tract	41301

Owner

678 Cotulla Dr is owned and occupied by an individual who acquired it in May 2011.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	678 COTULLA DR, KISSIMMEE, FL 34758-3268
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
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 20, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Sep 24, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA FCU
Sep 29, 2017	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2005 · Amount on File
Deed Sale	Aug 3, 2005 · Amount on File
Deed Document Number	2005175454
Deed Book / Page	2859 / 2965
Last Transfer Date	May 10, 2011
Transfer Doc	0041281093
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	678 COTULLA DR, KISSIMMEE, FL 34758-3268
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056490727
Date	Dec 30, 2019
Book Page	5649/0727
Instrument	2019168745

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	678 COTULLA DR, KISSIMMEE, FL 34758-3268
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060060381
Date	Jul 20, 2021
Book Page	6006/381
Instrument	2021112526

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	678 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0054122795
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 COTULLA DR KISSIMMEE FL 347583268, KISSIMMEE, FL 34758-3268

Mortgage

Document Number	0054122795
Date	Oct 5, 2018
Book Page	005412/002795
Instrument	149849

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 4, 2038

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	678 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0052802318
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 COTULLA DR KISSIMMEE FL 347583268, KISSIMMEE, FL 34758-3268

Mortgage

Document Number	0052802318
Date	Feb 6, 2018
Book Page	005280/002318
Instrument	19605

Lender

Name	MIDFLORIDA FCU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 5, 2028

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	678 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0052221002
Book / Page	005222 / 001002
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 COTULLA DR KISSIMMEE FL 347583268, KISSIMMEE, FL 34758-3268

Mortgage

Document Number	0052221002
Date	Oct 11, 2017
Book Page	005222/001002
Instrument	145568

Lender

Name	MIDFLORIDA FCU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 10, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 678 Cotulla Dr was $1,928 with a homeowner's exemption, up 7.1% from the year before.

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	$1,928.00 (+7.11%) Homeowner's exemption	$128,627	$243,600 Land $50,000 Building $193,600
2024	$1,800.00 (+2.56%)
2023	$1,755.00 (+5.6%) Homeowner's exemption	$121,362 (+3%)	$254,800 (+13.9%) Land $48,000 Building $206,800
2022	$1,662.00 Homeowner's exemption	$117,828	$223,700 Land $37,000 Building $186,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 678 Cotulla Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 678 Cotulla Dr is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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.

Nearby Properties on Cotulla Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures