depends on the layout of the house, but 9/10 times could easily reload in about 3 seconds, call it 5 if your just awake/sleepy.
It's not if you can do if you are sleepy, it's if you can do it with your heart pounding and adrenalin pumping, which it would be in those types of situations. It is the same problem with taking carefully aimed shots at the arms or legs, in that situation you would probably end up aiming for and hitting them in the torso.