1991 Keystone Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1991 Keystone Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,978 sqft · built 2020
Lot Size	1.16 acres (50,529 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Oct 2019)
Tax Bill	$3,545 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`25-26-29-4100-0030-0032`

Property Details

APN / Parcel Number

Primary APN	`25-26-29-4100-0030-0032`
Alternative APN	`262925410000300032`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,978 sqft Living Area
Gross Area	2,773 sqft
1st Floor Area	1,978 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,529 sqft (1.16 acres)
Garage Type	Attached
Garage Area	576 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1991 KEYSTONE AVE
City	SAINT CLOUD
State	FL
Zip	34772-7112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MC COOLS ADDN PB 1 PG 78 BLK 30 COM AT NE COR OF LOT 1, S00-34-28W 810 FT, N89-11-02W 202.11 FT TO POB; S00-34-28W 490 FT TO N R/W OF KEYSTONE AVE, N89-11-02W 101.06 FT, N00-34-28E 490 FT, S89-11-02E 101.06 FT TO POB
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
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	43209

Owner

Source: Osceola County records, as of August 28, 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 Record
Mailing Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK
May 4, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Feb 24, 2020	Loan Modification, Mortgage GATEWAY MTG GRP
Nov 27, 2019	Correction Deed A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/
Nov 27, 2019	Correction Deed, Construction Loan · Construction Mortgage GATEWAY MTG GRP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2019 · Amount on Record
Deed Sale	Oct 23, 2019 · Amount on Record
Deed Document Number	2019137779
Deed Book / Page	5611 / 1206
Last Transfer Date	Nov 23, 2019
Transfer Doc	0056302741
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 17, 2026
Property Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Document Number	0000107090
Book / Page	7021 / 5
Instrument Date	Jul 29, 2026
Instrument	2026107090
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112

Mortgage

Document Number	0000107090,
Date	Aug 17, 2026
Book Page	7021/5
Instrument	2026107090

Lender

Name	SOUTH STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2036

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112

Mortgage

Document Number	0064002959
Date	May 4, 2023
Book Page	6400/2959
Instrument	2023056016

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112

Mortgage

Document Number	0060521780
Date	Sep 27, 2021
Book Page	6052/1780
Instrument	2021149843

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Document Number	0057351668
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1991 KEYSTONE AVE ST CLOUD FL 347727112, ST CLOUD, FL 34772-7112

Mortgage

Document Number	0057351668
Date	Jun 10, 2020
Book Page	005735/001668
Instrument	74492

Lender

Name	GATEWAY MTG GRP
Address	244 S GATEWAY PL, JENKS, OK 74037-3460

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

November 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 27, 2019
Property Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Document Number	0056302741
Book / Page	005630 / 002741
Instrument Date	Nov 22, 2019
Instrument	154415
Record Updated	Dec 18, 2019
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1991 KEYSTONE AVE ST CLOUD FL 34772, ST CLOUD, FL 34772

November 2019: Correction Deed, Construction Loan

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 27, 2019
Property Address	1991 KEYSTONE AVE, SAINT CLOUD, FL 34772-7112
Document Number	0056302742
Book / Page	005630 / 002742
Instrument Date	Oct 22, 2019
Instrument	154416
Transaction Type	Construction Loan
Record Updated	Dec 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1991 KEYSTONE AVE ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number	56302742
Date	Nov 27, 2019
Book Page	005630/002742
Instrument	154416

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 26, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,545.00 (+7.65%) Homeowner's exemption	$245,357 (+5.99%)	$360,700 (+14.29%) Land $80,000 Building $280,700
2023	$3,293.00 (+4.34%) Homeowner's exemption	$231,499 (+3%)	$315,600 (+15.56%) Land $40,600 Building $275,000
2022	$3,156.00 Homeowner's exemption	$224,757	$273,100 Land $39,900 Building $233,200

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 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 Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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