3617 Holden Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3617 Holden Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,386 sqft · built 2006
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on Record
Last Sale	$465,000 (Mar 2026)
Tax Bill	$2,440 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Mar 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0053-0001-1900`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0053-0001-1900`
Alternative APNs	`263026005300011900` `141185`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,386 sqft Living Area
Gross Area	3,240 sqft
1st Floor Area	2,386 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	8,407 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	408 sqft
Porch	Finished/Open Porch
Porch Area	214 sqft
Deck Area	611 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3617 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 190 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	1900
Legal Lot Number	190
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 April 3, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3617 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 25, 2026	Personal Representative Deed, Transfer MAGNOLIA TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Aug 11, 2006 · Amount on Record
Deed Document Number	202639433
Deed Book / Page	6943 / 808
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2026
Property Address	3617 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Document Number	0069430808
Book / Page	6943 / 808
Map Reference	MB 18 PG 31-36
Instrument Date	Mar 23, 2026
Instrument	2026039433
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MAGNOLIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3636 DOE RUN DR, SAINT CLOUD, FL 34772-8227

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3617 HOLDEN DR, SAINT CLOUD, FL 34772-8216

Mortgage

Document Number	0006943809
Date	Mar 25, 2026
Instrument	6943/809

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2026
Property Address	3617 HOLDEN DR, SAINT CLOUD, FL 34772-8216
Document Number	0069430806
Book / Page	6943 / 806
Map Reference	MB 18 PG 31-36
Instrument Date	Mar 23, 2026
Instrument	2026039432
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MAGNOLIA TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3636 DOE RUN DR, SAINT CLOUD, FL 34772-8227

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3617 HOLDEN DR, SAINT CLOUD, FL 34772-8216

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	$2,440.00 (+3.79%) Homeowner's exemption Widower's exemption	$184,207 (+5.99%)	$387,700 (-3%) Land $70,000 Building $317,700
2024	$2,351.00 (+3.07%)
2023	$2,281.00 (+0.4%) Homeowner's exemption Widower's exemption	$173,802 (+3%)	$399,700 (+24.01%) Land $65,000 Building $334,700
2022	$2,272.00 Homeowner's exemption Widower's exemption	$168,740	$322,300 Land $55,000 Building $267,300

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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