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2964 Penelope Loop, Kissimmee, FL 34746 Property Records

Osceola County property record for 2964 Penelope Loop, Kissimmee, FL 34746

Property Summary

Property TypeSingle Family Home
Details8 bd · 5 ba · 4,289 sqft · built 2022
Lot Size0.13 acres (5,663 sqft)
OwnerCompany Name on Record
Last Sale$950,000 (Jul 2022)
Tax Bill$13,789 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN072529517800013400

Property Details

APN / Parcel Number

Primary APN072529517800013400

Interior

Bedrooms8 Beds
Full Baths5 Baths
Stories2 Stories
Building Area4,289 sqft Heated Area
Gross Area4,707 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialCombination
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
Pool Area38 sqft
PorchOpen Porch
Porch Area18 sqft
Patio Area474 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address2964 PENELOPE LOOP
CityKISSIMMEE
StateFL
Zip34746
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOVE AT STOREY LAKE 4 PB 30 PGS 18-35 LOT 340
Legal SubdivisionCOVE AT STOREY LAKE III
Legal Lot Number340
JurisdictionOSCEOLA FL
Township / Civil DivisionKISSIMMEE
Census Block Group1
Census Block1003
Census Tract40904

Owner

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

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 RecordCompany Name on Record
Mailing Address28 CIELO PRADO, MISSION VIEJO, CA 92692-7900
Owner TypeCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 19, 2022 · Amount on Record
Deed SaleJul 19, 2022 · Amount on Record
Deed Document Number2022111056
Deed Book / Page6254 / 302
Record UpdatedJun 8, 2026

July 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 19, 2022
Property Address2964 PENELOPE LOOP, KISSIMMEE, FL 34746
Document Number0062540302
Book / Page6254 / 302
Map ReferenceMB 30 PG 18
Instrument DateJul 8, 2022
Instrument2022111056
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyLENNAR TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,650.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

NameVerified Name
Address28 CIELO PRADO, MISSION VIEJO, CA 92692-7900

Mortgage

Document Number0006254306
DateJul 19, 2022
Instrument6254/306
Lender
Name5TH STREET CAPITAL INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052
Interest
Rate TypeAdjustable Rate
Rate6.99%
Type Change DateAug 1, 2027
Change Frequency6 Months
Min Rate At Change4.99%
Max Rate At Change8.99%
IndexOther
Max Rate11.9%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$13,789.00 (+4.44%)$808,700 (+6.63%) Land $115,000 Building $693,700$808,700 (+6.63%) Land $115,000 Building $693,700
2023$13,203.00 (+311.95%)$758,400 (+1,416.8%) Land $115,000 Building $643,400$758,400 (+1,416.8%) Land $115,000 Building $643,400
2022$3,205.00$50,000 Land $50,000$50,000 Land $50,000

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

Flood

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 136 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2022 · Hurricane Ian

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 RiskModerate
above 69% of the US · above 50% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 182 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Fiber		1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Penelope Loop

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