3611 Holden Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3611 Holden Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,519 sqft · built 2006
Lot Size	0.271 acres (11,848 sqft)
Owner	2 Individual Names on Record
Last Sale	$294,000 (Apr 2020)
Tax Bill	$5,176 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2026 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`141187`

Property Details

APN / Parcel Number

Primary APN	`141187`
Alternative APN	`262630005300011920`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,519 sqft Heated Area
Gross Area	3,109 sqft
1st Floor Area	1,175 sqft
Upper Floors Area	1,344 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,848 sqft (0.271 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	170 sqft
Deck Area	320 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	141187
Street Address	3611 HOLDEN DR
City	SAINT CLOUD
State	FL
Zip	34772-8216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	BRISTOL COVE AT DEER CREEK PH 1 PB 18 PG 31-36 LOT 192 LYING IN 27 & 34-26-30
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	BRISTOL COVE AT DEER CREEK PHASE 1 - 3
Legal Phase	1
Legal Tract	53
Legal Block	1
Legal Lot Number	192
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2025
Census Tract	43207

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3611 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Feb 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Apr 27, 2020	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS
Jan 27, 2020	Court-Ordered Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2020 · Amount on Record
Deed Sale	Apr 27, 2020 · Amount on Record
Prior Sale	Jan 27, 2020 · Amount on Record
Deed Document Number	0057141010
Deed Book / Page	5714 / 1010
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3611 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3611 HOLDEN DR, SAINT CLOUD, FL 34772-8216

Mortgage

Document Number	0063950420
Date	Apr 26, 2023
Book Page	6395/420
Instrument	2023050883

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3611 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3611 HOLDEN DR, SAINT CLOUD, FL 34772-8216

Mortgage

Document Number	0069262860
Date	Feb 20, 2026
Book Page	6926/2860
Instrument	2026024622

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2020
Property Address	3611 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Document Number	0057141010
Book / Page	005714 / 001010
Instrument Date	Apr 27, 2020
Instrument	57249
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	SMART INT'L TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,058.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7610 85TH RD WOODHAVEN NY 114211014, WOODHAVEN, NY 11421-1014

Mortgage

Document Number	57141012
Date	Apr 27, 2020
Book Page	005714/001012
Instrument	57250

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2050

January 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 27, 2020
Property Address	3611 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Document Number	0056640393
Book / Page	005664 / 000393
Instrument Date	Jan 14, 2020
Instrument	12838
Transaction Type	Foreclosure
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,558.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 E MONUMENT AVE #309 KISSIMMEE FL 347415772, 309, KISSIMMEE, FL 34741-5772

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,176.00 (+6%) Homeowner's exemption	$332,084 (+5.99%)	$367,000 (-3.01%) Land $70,000 Building $297,000
2023	$4,883.00 (+3.41%) Homeowner's exemption	$313,326 (+3%)	$378,400 (+24.39%) Land $65,000 Building $313,400
2022	$4,722.00 Homeowner's exemption	$304,200 Land $55,000 Building $249,200	$304,200 Land $55,000 Building $249,200

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 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	1 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 50

May also be available: AT&T, Xfinity.

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