3012 Penelope Loop, Kissimmee, FL 34746 Property Records

Osceola County property record for 3012 Penelope Loop, Kissimmee, FL 34746

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 3,760 sqft · built 2022
Lot Size	0.13 acres (5,663 sqft)
Owner	Company Name on Record
Last Sale	$840,000 (Sep 2022)
Tax Bill	$12,624 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Sep 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`072529517800013520`

Property Details

APN / Parcel Number

Primary APN	`072529517800013520`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	3,760 sqft Heated Area
Gross Area	4,099 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	38 sqft
Porch	Finished/Screened Porch
Porch Area	297 sqft
Patio Area	474 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3012 PENELOPE LOOP
City	KISSIMMEE
State	FL
Zip	34746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVE AT STOREY LAKE 4 PB 30 PGS 18-35 LOT 352
Legal Subdivision	COVE AT STOREY LAKE III
Legal Lot Number	352
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1003
Census Tract	40904

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 Record	Company Name on Record
Mailing Address	1353 ALDO DRIVE MISSISSAUGA ON, XX
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Sep 27, 2022	Warranty Deed, Transfer LENNAR TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Deed Document Number	2022145382
Deed Book / Page	6292 / 173
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3012 PENELOPE LOOP, KISSIMMEE, FL 34746
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1353 ALDO DRIVE, CANADA XX

Mortgage

Document Number	0063231022
Date	Dec 1, 2022
Book Page	6323/1022
Instrument	2022173204

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	Other
Max Rate	10.6%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2022
Property Address	3012 PENELOPE LOOP, KISSIMMEE, FL 34746
Document Number	0062920173
Book / Page	6292 / 173
Map Reference	MB 360 PG 18
Instrument Date	Aug 30, 2022
Instrument	2022145382
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Tax	$5,880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 PENELOPE LOOP, KISSIMMEE, FL 34746

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$12,624.00 (+4.15%)	$724,600 (+6.42%) Land $115,000 Building $609,600	$724,600 (+6.42%) Land $115,000 Building $609,600
2023	$12,121.00 (+307.29%)	$680,900 (+1,261.8%) Land $115,000 Building $565,900	$680,900 (+1,261.8%) Land $115,000 Building $565,900
2022	$2,976.00	$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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 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 Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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