Lorena Cabal Ospina
EXP REALTY LLC
(321) 415-4958
71 Total Sales
1 in East Saint Cloud
$165,000 Price
6500 Cottage Ln Saint Cloud, FL 34771
East Saint Cloud NeighborhoodEstimated Value: $607,180
4
Beds
3
Baths
2,742
Sq Ft
$221/Sq Ft
Est. Value
Highlights
- Parking available for a boat
- Dock made with wood
- Boat Ramp
- Harmony Community School Rated 9+
- Fishing Pier
- Oak Trees
About This Home
As of April 2026Stunning 4/3 situated on over 1/2 acre corner lot in the lakefront community of Northshore. All upgrades have been done for you, move in ready condition. A kitchen set up for the one's who love to cook with a kitchen island, solid wood 42" cabinets, quartz countertops, tiled back splash, double ovens, and with a drop in cook top. Breakfast nook open to the kitchen with a double closet pantry. Separate dining room is a very open concept overlooking the large family room. Pool planned with french doors leading from family room and back bedrooms to a large screened back porch. Master bath features roman tub, large open shower stall with built in seat and shelving, his and her vanities and his and her closets. Separate 7x15 room off master bedroom would be ideal for your home office, shelving has already been installed for you. A split plan with 3 additional bedrooms and 2 baths, a unique set up for a mother-in-law suite or a separate guest quarters with private setting. All flooring has been replaced with porcelain plank tiles through out, newer light fixtures and faucets through the home, cabinets have been installed in the large inside utility room, as well as a the roof replaced as late as 2024. All windows have Plantation shutters and French doors have built in blinds. Home has dual AC units, one has been replaced, along with hot water heater and septic was pumped is 2026. Side entry 3 car garage with openers, ideal for your golf cart or other play toys. Home has a sprinkler system, and water purifying system, recently replaced in 2022. Come see today, lots of upgrades through out. Area for RV parking with new 30 amp service added. Subdivision is located on Lake Lizzie part of the chain of 6 lakes, private boat ramp, walking trails, docks for fishing, minutes from town yet very secluded. Aprox 30 min from VA hospital, Orlando International Airport, Lake Nona restaurants and shopping and University of Florida medical facility. Min from shopping and restaurants and St Cloud hospital. A very family oriented environment.
Last Agent to Sell the Property
SOUTHERN HOMES & PROPERTIES INC Brokerage Phone: 407-873-0593 License #478436 Listed on: 02/19/2026
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Home Details
Home Type
- Single Family
Est. Annual Taxes
- $713
Year Built
- Built in 2006
Lot Details
- 23,958 Sq Ft Lot
- Northeast Facing Home
- Wood Fence
- Board Fence
- Mature Landscaping
- Corner Lot
- Level Lot
- Irregular Lot
- Irrigation Equipment
- Oak Trees
- Fruit Trees
- Garden
- Property is zoned OPUD
HOA Fees
- $80 Monthly HOA Fees
Parking
- 3 Car Attached Garage
- Side Facing Garage
- Garage Door Opener
- Secured Garage or Parking
- Off-Street Parking
- Parking available for a boat
- RV Access or Parking
- Golf Cart Garage
Property Views
- Woods
- Garden
Home Design
- Colonial Architecture
- Slab Foundation
- Shingle Roof
- Block Exterior
- Stucco
Interior Spaces
- 2,742 Sq Ft Home
- 1-Story Property
- Open Floorplan
- Shelving
- High Ceiling
- Ceiling Fan
- Plantation Shutters
- Blinds
- French Doors
- Family Room
- Separate Formal Living Room
- L-Shaped Dining Room
- Formal Dining Room
- Home Office
- Inside Utility
- Tile Flooring
- Attic Fan
Kitchen
- Breakfast Area or Nook
- Eat-In Kitchen
- Built-In Double Oven
- Cooktop
- Microwave
- Dishwasher
- Solid Surface Countertops
- Solid Wood Cabinet
- Disposal
Bedrooms and Bathrooms
- 4 Bedrooms
- Split Bedroom Floorplan
- Walk-In Closet
- 3 Full Bathrooms
Laundry
- Laundry Room
- Washer and Electric Dryer Hookup
Home Security
- Security Lights
- Fire and Smoke Detector
Outdoor Features
- Fishing Pier
- Access To Chain Of Lakes
- Water Skiing Allowed
- Boat Ramp
- Dock made with wood
- Enclosed Patio or Porch
- Exterior Lighting
- Rain Gutters
- Private Mailbox
Schools
- Harmony Community Elementary School
- Harmony Middle School
- Harmony High School
Utilities
- Zoned Heating and Cooling
- Heat Pump System
- Underground Utilities
- Water Filtration System
- 1 Water Well
- Electric Water Heater
- Water Purifier
- Water Softener
- 1 Septic Tank
- High Speed Internet
- Cable TV Available
Listing and Financial Details
- Visit Down Payment Resource Website
- Legal Lot and Block 68 / 1
- Assessor Parcel Number 02-26-31-4432-0001-0680
Community Details
Overview
- Association fees include electricity
- Sentry Management Association, Phone Number (407) 846-6323
- Northshore Stage 1 Subdivision
- On-Site Maintenance
- The community has rules related to deed restrictions, fencing, allowable golf cart usage in the community
Recreation
- Trails
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Feb 19, 2026
Closed on
Apr 29, 2026
Sold by
Cumming Christopher R and Cumming Maribeth P
Bought by
Seller's Agent
Lorraine McMichen
SOUTHERN HOMES & PROPERTIES INC
Buyer's Agent
Janet McQuagge
REMAX PREMIER PROPERTIES
List Price
$619,500
Sold Price
$610,000
Premium/Discount to List
-$9,500
-1.53%
Views
27
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$2,820
Avg. Annual Appreciation
-1.10%
Original Mortgage
$410,000
Outstanding Balance
$408,820
Interest Rate
6.22%
Mortgage Type
New Conventional
Estimated Equity
$198,360
Purchase Details
Listed on
Jun 19, 2021
Closed on
Aug 18, 2021
Sold by
Wasylink Jeffrey and Wasylink Denise
Bought by
Cumming Christopher R D and Cumming Maribeth P
Seller's Agent
Lorraine McMichen
SOUTHERN HOMES & PROPERTIES INC
Buyer's Agent
Stellar Non-Member Agent
STELLAR NON-MEMBER OFFICE
List Price
$510,000
Sold Price
$495,000
Premium/Discount to List
-$15,000
-2.94%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.54%
Original Mortgage
$492,000
Interest Rate
2.9%
Mortgage Type
VA
Purchase Details
Listed on
Jun 30, 2017
Closed on
Nov 10, 2017
Sold by
Hall Charles Andrew and Hall Anna Marie
Bought by
Wasylink Jeffrey and Wasylink Denise
Seller's Agent
Linda Goodwin-Nichols
GOODWIN REALTY & ASSOCIATES, INC
Buyer's Agent
Greg Landy
COLDWELL BANKER REALTY
List Price
$359,900
Sold Price
$325,000
Premium/Discount to List
-$34,900
-9.7%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
11.84%
Original Mortgage
$290,800
Interest Rate
3.83%
Mortgage Type
Future Advance Clause Open End Mortgage
Purchase Details
Closed on
Sep 30, 2014
Sold by
Knapp Richard E and Knapp Nancy K
Bought by
Hall Charles Andrew and Hall Anna Marie
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$255,375
Interest Rate
4.15%
Mortgage Type
VA
Purchase Details
Closed on
Dec 1, 2004
Sold by
Matheny Linette R
Bought by
Knapp Richard E and Knapp Nancy K
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$46,720
Interest Rate
5.67%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Nov 24, 2003
Sold by
Musto Paul H and Musto Roseanne
Bought by
Matheny Linette R
Purchase Details
Closed on
Jul 28, 1999
Sold by
Boyton W Land & Dev Co Inc
Bought by
Musto Paul H and Musto Roseanne
Home Values in the Area
Average Home Value in this Area
Agents Specializing in East Saint Cloud, FL
-
Lorena Cabal Ospina
-
Leigh Wartella
Leigh Wartella
Relentless Real Estate Co.
(304) 250-7983
67 Total Sales
1 in East Saint Cloud
$385,000 Price
-
Nick Nelson
Nick Nelson
EXP REALTY LLC
(262) 287-0746
98 Total Sales
2 in East Saint Cloud
$626K - $672K Price Range
-
David Hartigan
David Hartigan
Responds QuicklyJASON MITCHELL REAL ESTATE
(689) 600-2955
297 Total Sales
2 in East Saint Cloud
$404K - $500K Price Range
-
Cleve Loveland
Cleve Loveland
LOVELAND PROPERTIES
(888) 572-8161
226 Total Sales
4 in East Saint Cloud
$331K - $850K Price Range
-
Loodmy Jacques
Loodmy Jacques
KW Reserve Palm Beach
(561) 770-9747
293 Total Sales
1 in East Saint Cloud
$515,900 Price
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $610,000 | Stewart Title Company | ||
| Cumming Christopher R D | $495,000 | Stewart Title Company | |
| Wasylink Jeffrey | $325,000 | Royalty Title Llc | |
| Hall Charles Andrew | $250,000 | Attorney | |
| Knapp Richard E | $50,000 | Stewart Approved Title Inc | |
| Matheny Linette R | $33,500 | -- | |
| Boynton W Land & Dev Co Inc | -- | -- | |
| Musto Paul H | $26,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $410,000 | ||
| Previous Owner | Cumming Christopher R D | $492,000 | |
| Previous Owner | Wasylink Jeffrey | $290,800 | |
| Previous Owner | Hall Charles Andrew | $255,375 | |
| Previous Owner | Knapp Richard E | $46,720 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 04/30/2026 04/30/26 | Sold | $610,000 | -1.5% | $222 / Sq Ft | |
| 03/15/2026 03/15/26 | Pending | -- | -- | -- | |
| 02/19/2026 02/19/26 | For Sale | $619,500 | +25.2% | $226 / Sq Ft | |
| 08/18/2021 08/18/21 | Sold | $495,000 | -2.9% | $181 / Sq Ft | View Prior Sale |
| 07/10/2021 07/10/21 | Pending | -- | -- | -- | |
| 06/17/2021 06/17/21 | For Sale | $510,000 | +56.9% | $186 / Sq Ft | |
| 02/14/2018 02/14/18 | Off Market | $325,000 | -- | -- | |
| 11/16/2017 11/16/17 | Sold | $325,000 | -4.4% | $119 / Sq Ft | View Prior Sale |
| 09/28/2017 09/28/17 | Pending | -- | -- | -- | |
| 09/15/2017 09/15/17 | Price Changed | $339,900 | -1.7% | $124 / Sq Ft | |
| 08/22/2017 08/22/17 | Price Changed | $345,900 | -1.1% | $126 / Sq Ft | |
| 08/02/2017 08/02/17 | Price Changed | $349,900 | -2.8% | $128 / Sq Ft | |
| 06/30/2017 06/30/17 | For Sale | $359,900 | -- | $131 / Sq Ft |
Source: Stellar MLS
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $713 | $420,509 | ||
| 2024 | $622 | $408,658 | ||
| 2023 | $622 | $396,756 | $0 | $0 |
| 2022 | $576 | $385,200 | $60,000 | $325,200 |
| 2021 | $4,264 | $296,987 | $0 | $0 |
| 2020 | $4,208 | $292,887 | $0 | $0 |
| 2019 | $4,156 | $286,303 | $0 | $0 |
| 2018 | $4,047 | $280,965 | $0 | $0 |
| 2017 | $3,914 | $266,495 | $0 | $0 |
| 2016 | $3,864 | $261,014 | $0 | $0 |
| 2015 | $3,921 | $259,200 | $0 | $0 |
| 2014 | $3,117 | $209,753 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Lorraine McMichen
Seller's Agent in 2026
Lorraine McMichen
SOUTHERN HOMES & PROPERTIES INC
(407) 873-0593
4 in this area
6 Total Sales
-
Janet McQuagge
Buyer's Agent in 2026
Janet McQuagge
RE/MAX
(407) 927-7399
39 in this area
147 Total Sales
-
Stellar Non-Member Agent
SN
Buyer's Agent in 2021
Stellar Non-Member Agent
FL_MFRMLS
-
Linda Goodwin-Nichols
Seller's Agent in 2017
Linda Goodwin-Nichols
GOODWIN REALTY & ASSOCIATES, INC
(407) 908-0320
1 in this area
41 Total Sales
-
Greg Landy
Buyer's Agent in 2017
Greg Landy
COLDWELL BANKER REALTY
(407) 463-5733
39 Total Sales
Map
Source: Stellar MLS
MLS Number: S5144144
APN: 02-26-31-4432-0001-0680
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
Listings courtesy of Stellar MLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID
Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393
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