Osceola County property record for 3614 Holden Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,256 sqft · built 2006 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $256,000 (Sep 2019) |
| Tax Bill | $3,017 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 141189 |
| Primary APN | 141189 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,256 sqft Heated Area |
| Gross Area | 3,062 sqft |
| 1st Floor Area | 2,256 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.171 acres) |
| Lot Dimensions | 120 ft deep x 63 ft wide |
| Garage Type | Finished |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 326 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 141189 |
|---|---|
| Street Address | 3614 HOLDEN DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8215 |
| 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 194 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 | 194 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 141189
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3614 HOLDEN DR, SAINT CLOUD, FL 34772-8215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 18, 2024 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Jun 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS INC |
| Sep 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS |
| May 22, 2017 | Warranty Deed, Transfer · FHA Mortgage DBA FOAM FINANCE OF AMERICA MORTGAG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 23, 2019 · Amount on Record |
| Deed Sale | Sep 23, 2019 · Amount on Record |
| Prior Sale | May 22, 2017 · Amount on Record |
| Deed Document Number | 2019122833 |
| Deed Book / Page | 5593 / 2703 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3614 HOLDEN DR, SAINT CLOUD, FL 34772-8215 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3614 HOLDEN DR, SAINT CLOUD, FL 34772-8215 |
| Document Number | 0066352126 |
|---|---|
| Date | Jul 18, 2024 |
| Book Page | 6635/2126 |
| Instrument | 2024094273 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3614 HOLDEN DR, SAINT CLOUD, FL 34772-8215 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057332175 |
|---|---|
| Date | Jun 08, 2020 |
| Book Page | 5733/2175 |
| Instrument | 2020073163 |
| Name | TOWN SQUARE MORTGAGE & INVESTMENTS INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75248 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 23, 2019 |
| Property Address | 3614 HOLDEN DR, SAINT CLOUD, FL 34772-8215 |
| Document Number | 0055932703 |
| Book / Page | 5593 / 2703 |
| Map Reference | MB 18 PG 31-36 |
| Instrument Date | Sep 17, 2019 |
| Instrument | 2019122833 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | HILLSBOROUGH TITLE III LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,792.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25802 BLOOMSBURY COURT, 25802, 33639 |
| Name | Verified Name |
|---|---|
| Address | 3614 HOLDEN DR, SAINT CLOUD, FL 34772-8215 |
| Document Number | 0055932705 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 5593/2705 |
| Name | TOWN SQUARE MORTGAGE & INVESTMENTS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 22, 2017 |
| Property Address | 3614 HOLDEN DR, SAINT CLOUD, FL 34772-8215 |
| Document Number | 0051511861 |
| Book / Page | 5151 / 1861 |
| Map Reference | MB18 PG31-36 |
| Instrument Date | May 19, 2017 |
| Instrument | 2017074632 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,690.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3614 HOLDEN DR, 3614, SAINT CLOUD, FL 34772-8215 |
| Name | Verified Name |
|---|---|
| Address | 3614 HOLDEN DR, SAINT CLOUD, FL 34772-8215 |
| Document Number | 0051511862 |
|---|---|
| Date | May 22, 2017 |
| Instrument | 5151/1862 |
| Name | DBA FOAM FINANCE OF AMERICA MORTGAG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,017.00 (+6.46%) Homeowner's exemption | $211,476 (+5.99%) | $351,800 (-3.27%) Land $70,000 Building $281,800 |
| 2023 | $2,834.00 (+3.77%) Homeowner's exemption | $199,532 (+3%) | $363,700 (+25.59%) Land $65,000 Building $298,700 |
| 2022 | $2,731.00 Homeowner's exemption | $193,721 | $289,600 Land $55,000 Building $234,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
May also be available: AT&T, Xfinity.
Based on FCC filings for 318 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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