3615 Holden Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3615 Holden Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,625 sqft · built 2006
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jul 2022)
Tax Bill	$5,519 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0053-0001-1910`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0053-0001-1910`
Alternative APNs	`263026005300011910` `141186`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,625 sqft Living Area
Gross Area	3,476 sqft
1st Floor Area	2,625 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	231 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3615 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 191 LYING IN 27 & 34-26-30
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	BRISTOL COVE AT DEER CREEK PH 1
Legal Phase	1
Legal Tract	53
Legal Block	1910
Legal Lot Number	191
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 November 26, 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	3615 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Jun 29, 2006 · Amount on Record
Deed Document Number	2022113044
Deed Book / Page	6256 / 379
Prior Transfer Date	Sep 12, 2013
Prior Transfer Doc	0045012094
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3615 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 HOLDEN DR, SAINT CLOUD, FL 34772-8216

Mortgage

Document Number	0065140712
Date	Dec 5, 2023
Book Page	6514/712
Instrument	2023158315

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 22, 2022
Property Address	3615 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Document Number	0062560379
Book / Page	6256 / 379
Map Reference	MB 18 PG 31-36
Instrument Date	Jul 21, 2022
Instrument	2022113044
Transaction Type	Transfer
Record Updated	Aug 3, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1453 TINA LN, 1453, KISSIMMEE, FL 34744-5002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 HOLDEN DR, SAINT CLOUD, FL 34772-8216

Mortgage

Document Number	0006256381
Date	Jul 22, 2022
Instrument	6256/381

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,519.00 (-1.66%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$367,900 (-3.36%) Land $70,000 Building $297,900	$367,900 (-3.36%) Land $70,000 Building $297,900
2024	$5,612.00 (-3.21%)
2023	$5,798.00 (+190.48%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$380,700 (+148.95%) Land $65,000 Building $315,700	$380,700 (+16.32%) Land $65,000 Building $315,700
2022	$1,996.00 Homeowner's exemption	$152,924	$327,300 Land $55,000 Building $272,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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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