686 Cotulla Dr, Kissimmee, FL 34758 Property Records

Osceola County property record for 686 Cotulla Dr, Kissimmee, FL 34758

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,492 sqft · built 2002
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,000 (Sep 2026)
Tax Bill	$7,238 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-26-28-6114-1406-0040`

Property Details

APN / Parcel Number

Primary APN	`25-26-28-6114-1406-0040`
Alternative APNs	`262825611414060040` `23636`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,492 sqft Living Area
Gross Area	3,596 sqft
1st Floor Area	2,326 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	90 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	20 sqft
Porch	Florida Room
Porch Area	912 sqft
Deck Area	1,320 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	686 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 LOTS 3 & 4
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	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1006
Census Tract	41301

Owner

Source: Osceola County records, as of October 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	686 COTULLA DR, KISSIMMEE, FL 34758-3268
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Warranty Deed, Transfer · Conventional Mortgage ABSOLUTE MORTGAGE CORPORATION
Jul 13, 2023	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 2, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2026 · Amount on Record
Deed Sale	Sep 2, 2026 · Amount on Record
Prior Sale	Jul 13, 2023 · Amount on Record
Deed Document Number	2026115437
Deed Book / Page	7030 / 615
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 2, 2026
Property Address	686 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0000115437
Book / Page	7030 / 615
Instrument Date	Aug 24, 2026
Instrument	2026115437
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267,953.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 COTULLA DR, KISSIMMEE, FL 34758-3268

Mortgage

Document Number	0000115438,
Date	Sep 2, 2026
Instrument	2026115438

Lender

Name	ABSOLUTE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2023
Property Address	686 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0064400702
Book / Page	6440 / 702
Map Reference	MB 3 PG 9-16
Instrument Date	Jul 12, 2023
Instrument	2023090480
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	TITLE AGENCY OF FLORIDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3543 W LUPINE AVE, PHOENIX, AZ 85029-3139

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 COTULLA DR, KISSIMMEE, FL 34758-3268
Investor	Possibly a Property Investor

Mortgage

Document Number	0064400704
Date	Jul 13, 2023
Book Page	6440/704
Instrument	2023090481

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 2, 2021
Property Address	686 COTULLA DR, KISSIMMEE, FL 34758-3268
Document Number	0059021564
Book / Page	5902 / 1564
Map Reference	MB 3 PG 9-16
Instrument Date	Feb 26, 2021
Instrument	2021030695
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	MEDALLION TITLE SERVICES, MEDALLION TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,023.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 GOODALE RD APT 2, 19, BOSTON, MA 02126-1786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 AMBERSWEET WAY # 512, 512, DAVENPORT, FL 33897-8418

Mortgage

Document Number	0059021566
Date	Mar 2, 2021
Instrument	5902/1566

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$7,238.00 (+1,065.54%)	$471,000 (+9.92%) Land $100,000 Building $371,000	$471,000 (-1.15%) Land $100,000 Building $371,000
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$428,476 (+19.29%)	$476,500 (+32.66%) Land $96,000 Building $380,500
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$359,200 Land $74,000 Building $285,200	$359,200 Land $74,000 Building $285,200

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

Flood

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 Record 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

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.

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