Osceola County property record for 1122 Kelly St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,216 sqft · built 1986 |
| Lot Size | 0.766 acres (33,367 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,700 (Jul 1990) |
| Tax Bill | $1,652 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 96342 |
| Primary APN | 96342 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,216 sqft Heated Area |
| Gross Area | 2,276 sqft |
| 1st Floor Area | 1,584 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 33,367 sqft (0.766 acres) |
| Lot Dimensions | 300 ft deep x 110 ft wide |
| Garage Area | 432 sqft |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 692 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 96342 |
|---|---|
| Street Address | 1122 KELLY ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-4831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS3 |
| Legal Description | S L & I C N 55 FT OF LOT 457 & S 55 FT OF LOT 440 LESS R/W AKA LOT 12 OF TRACT 15 ARROWHEAD COUNTRY ESTATES |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | ARROWHEAD CNTRY EST |
| Legal Tract | 15 |
| Legal Block | 1 |
| Legal Lot Number | 457 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 43600 |
1122 Kelly St is owned and occupied by an individual who bought it in July 1990.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1122 KELLY ST, SAINT CLOUD, FL 34771-4831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 1990 · Amount on File |
| Deed Sale | Jul 31, 1990 · Amount on File |
| Deed Document Number | 0009792489 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1122 Kelly St was $1,652 with a homeowner's exemption.
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 | $1,652.00 Homeowner's exemption | $108,720 | $310,200 Land $75,000 Building $235,200 |
| 2023 | $1,493.00 (+6.11%) Homeowner's exemption | $102,579 (+3%) | $264,000 (+25.06%) Land $52,000 Building $212,000 |
| 2022 | $1,407.00 Homeowner's exemption | $99,592 | $211,100 Land $52,000 Building $159,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1122 Kelly St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 148 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 5 (2016–2022) |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 1122 Kelly St is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: CenturyLink, Verizon.
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