1985 Keystone Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1985 Keystone Ave, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2022
Square Footage	2,538 sqft Living Area
Lot Size	49,658 sqft (1.14 acres)
Garage	Attached, 576 sqft
Occupancy	Owner Occupied
Tax Bill	$4,196.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`25-26-29-4100-0030-0034`
Alternative APN	`262925410000300034`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,538 sqft Living Area
Gross Area	3,488 sqft Gross Area
1st Floor	2,538 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Attached Garage
Garage Area	576 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	325 sqft Pool
Deck Area	900 sqft Deck
Patio Area	784 sqft Patio
Porch Area	374 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	1985 KEYSTONE AVE
City	SAINT CLOUD
State	FL
Zip	34772-7112
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MCCOOLS ADDN PB 1 PG 78 BLK 30 COM AT NE COR OF LOT 1, S00-34-28W 15 FT TO S R/W LINE OF PARKWAY AVE, S00-34-28W 795 FT, N89-11-02W 303.17 FT TO POB; CONT S00-34-28W 490 FT TO N R/W LINE OF KEYSTONE AVE, N89-11-02W 101.05 FT, N00-34-28E 490 FT, S89-1
Legal Range	29E
Legal Township	26S
Legal Section	25
Legal Subdivision	McCOOLS ADD TO KISSIMMEE PARK
Legal Block	30
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1006
Census Tract	43209

Owner

Source: Osceola County records · APN 25-26-29-4100-0030-0034

Assessment roll updated November 26, 2025 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1985 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

August 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 30, 2021
Property Address	1985 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Document Number	0060322709
Book / Page	6032 / 2709
Map Reference	MB 1 PG 78
Instrument Date	Aug 20, 2021
Instrument	2021134543
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	FLORIDA TITLE AND ABSTRACT, FLORIDA TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 E 13TH ST, SAINT CLOUD, FL 34769-4749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3724 BRAMBLY AVE, SAINT CLOUD, FL 34772-8278

Mortgage

Document Number	0060322711
Date	Aug 30, 2021
Instrument	6032/2711

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 20, 2022

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	Sep 01, 2021
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).
Min Rate At Change	3.7%
Max Rate At Change	4.7%
Index	Prime Rate
Max Rate	8.7%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,196.00 (+7.26%) Homeowner's exemption	$292,329 (+5.99%)	$468,000 (+12.07%) Land $80,000 Building $388,000
2023	$3,912.00 (+245.28%) Homeowner's exemption	$275,817 (+591.27%)	$417,600 (+946.62%) Land $39,900 Building $377,700
2022	$1,133.00	$39,900 Land $39,900	$39,900 Land $39,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 81% of the US · above 70% of Florida
Wildfire Likelihood	About 1 in 163 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.