Osceola County property record for 5344 Holopaw Rd, Saint Cloud, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,354 sqft · built 2011 |
| Lot Size | 15 acres (653,836 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $500,000 (Nov 2020) |
| Tax Bill | $5,623 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jul 2023 Line of Credit + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 138441 |
| Primary APN | 138441 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,354 sqft Heated Area |
| Gross Area | 2,988 sqft |
| 1st Floor Area | 2,354 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 653,836 sqft (15 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 36 sqft |
| Porch | Open Porch |
| Porch Area | 514 sqft |
| Deck Area | 748 sqft |
| Shed | 1 Shed |
| Shed Area | 312 sqft |
| Stable | 552 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 138441 |
|---|---|
| Street Address | 5344 HOLOPAW RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34773-9458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Description | COLE PROPERTIES PB 18 PG 101 THE E 832.04 FT OF LOTS 2 & 3 |
| Legal Range | 32E |
| Legal Township | 27S |
| Legal Section | 23 |
| Legal Subdivision | RURL ACREAGE EAST COUNTY |
| Legal Tract | 2546 |
| Legal Block | 1 |
| Legal Lot Number | 2-3 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 43802 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5344 HOLOPAW RD, HARMONY, FL 34773-9458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 7, 2023 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Nov 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 2020 · Amount on Record |
| Deed Sale | Nov 23, 2020 · Amount on Record |
| Prior Sale | Mar 17, 2015 · Amount on Record |
| Deed Document Number | 2020160313 |
| Deed Book / Page | 5838 / 1571 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5344 HOLOPAW RD, SAINT CLOUD, FL 34773-9458 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5344 HOLOPAW RD, SAINT CLOUD, FL 34773-9458 |
| Document Number | 0068741448 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 6874/1448 |
| Instrument | 2025135825 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5344 HOLOPAW RD, SAINT CLOUD, FL 34773-9458 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5344 HOLOPAW RD, HARMONY, FL 34773-9458 |
| Document Number | 0064371610 |
|---|---|
| Date | Jul 7, 2023 |
| Book Page | 6437/1610 |
| Instrument | 2023087996 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jun 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 23, 2020 |
| Property Address | 5344 HOLOPAW RD, SAINT CLOUD, FL 34773-9458 |
| Document Number | 0058381571 |
| Book / Page | 5838 / 1571 |
| Map Reference | MB 18 PG 101 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 2020160313 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5340 HOLOPAW RD, 5340, HARMONY, FL 34773-9458 |
| Name | Verified Name |
|---|---|
| Address | 5340 HOLOPAW RD, HARMONY, FL 34773-9458 |
| Document Number | 0058381573 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 5838/1573 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,623.00 (+21.13%) Homeowner's exemption | $395,303 (+20.5%) | $502,500 (+11.74%) Land $194,400 Building $308,100 |
| 2023 | $4,642.00 (+3.94%) Homeowner's exemption | $328,063 (+3%) | $449,700 (+30.92%) Land $194,400 Building $255,300 |
| 2022 | $4,466.00 Homeowner's exemption | $318,508 | $343,500 Land $126,000 Building $217,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 110 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 in force |
| Nearby Flood Claims | 1 (2022) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 90% of the US · above 84% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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