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1260 Kelly St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1260 Kelly St, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,872 sqft · built 2003
Lot Size0.669 acres (29,141 sqft)
OwnerIndividual Name on Record
Last Sale$466,000 (Jun 2022)
Tax Bill$4,968 (2025)
Deeds & MortgagesJun 2022 Sale & Mortgage
Nov 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN06-26-31-7500-0001-0161

Property Details

APN / Parcel Number

Primary APN06-26-31-7500-0001-0161
Alternative APNs
  • 263106750000010161
  • 96348

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,872 sqft Living Area
Gross Area2,353 sqft
1st Floor Area1,872 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area29,141 sqft (0.669 acres)
Lot Dimensions300 ft deep x 96.5 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area392 sqft
PorchMetal Porch
Porch Area657 sqft
Deck Area220 sqft
Shed1 Shed
Shed Area288 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1260 KELLY ST
CitySAINT CLOUD
StateFL
Zip34771-4802
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeORS3
Legal DescriptionALL LOT 489 ACCORDING TO S L & I C SURVEY LESS RD R/W AKA LOT 16 OF TRACT 16 OF ARROWHEAD COUNTRY ESTATES & LESS N 28 FT OF LOT 489
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionARROWHEAD COUNTRY ESTATES UNREC
Legal Tract16
Legal Block161
Legal Lot Number161
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2057
Census Tract43600

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 RecordIndividual Name on Record
Mailing Address1260 KELLY ST, SAINT CLOUD, FL 34771-4802
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2022Warranty Deed, Transfer · Conventional Mortgage
HAMILTON HOME LOANS INC
Nov 1, 2021Deed of Trust, Mortgage · Conventional Mortgage
WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 29, 2022 · Amount on Record
Deed SaleJun 29, 2022 · Amount on Record
Prior SaleMay 31, 2018 · Amount on Record
Deed Document Number2022101278
Deed Book / Page6242 / 1002
Prior Transfer DateJul 7, 2014
Prior Transfer Doc0046540726
Record UpdatedJun 8, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 29, 2022
Property Address1260 KELLY ST, SAINT CLOUD, FL 34771-4802
Document Number0062421002
Book / Page6242 / 1002
Map ReferenceMB B PG 61-64
Instrument DateJun 24, 2022
Instrument2022101278
Transaction TypeTransfer
Record UpdatedJul 12, 2022
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,262.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address512 VILLAGE LAKE CT # CT104, 512, SPRING LAKE, NC 28390-3460

Transferred To (Grantee/Buyer)

NameVerified Name
Address1260 KELLY ST, SAINT CLOUD, FL 34771-4802

Mortgage

Document Number0062421003
DateJun 29, 2022
Instrument6242/1003
Lender
NameHAMILTON HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1260 KELLY ST, SAINT CLOUD, FL 34771-4802
Transaction TypeMortgage
Record UpdatedNov 19, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1260 KELLY ST, SAINT CLOUD, FL 34771-4802

Mortgage

Document Number0060771065
DateNov 1, 2021
Book Page6077/1065
Instrument2021169736
Lender
NameWATERSTONE MORTGAGE CORP
TypeMortgage Company
AddressPEWAUKEE, WI 53072
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,968.00 (+4.74%) Homeowner's exemption$348,051 (+5.99%)$440,700 (+15.19%) Land $75,000 Building $365,700
2024$4,743.00 (+2.09%)
2023$4,646.00 (+28.88%) Homeowner's exemption$328,391 (+27.85%)$382,600 (+26.15%) Land $52,000 Building $330,600
2022$3,605.00 Homeowner's exemption$256,853$303,300 Land $52,000 Building $251,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 148 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies148 in force
Nearby Flood Claims5 (2016–2022)
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 claims

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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 219 locations within half a mile, as of December 31, 2025

ProviderMax 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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