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2040 Keystone Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2040 Keystone Ave, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2016
Square Footage3,055 sqft Living Area
Lot Size193,842 sqft (4.45 acres)
OccupancyOwner Occupied
Last Sale$350,000 (2015)
Tax Bill$6,451.00 (2025)

Property Details

APN / Parcel Number

Primary APN25-26-29-3018-0001-0040
Alternative APNs
  • 262925301800010040
  • 156456

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area3,055 sqft Living Area
Gross Area4,697 sqft Gross Area
1st Floor3,055 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area193,842 sqft (4.45 acres)
Parking Spaces4 Parking Spaces
Garage TypeAttached Garage
Garage Area1,078 sqft Garage
Patio Area2,697 sqft Patio
Porch Area564 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2040 KEYSTONE AVE
CitySAINT CLOUD
StateFL
Zip34772-7102
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHORSESHOE ACRES PB 19 PG 192 LOT 4
Legal Range29E
Legal Township26S
Legal Section25
Legal SubdivisionHORSESHOE ACRES
Legal Tract3018
Legal Block40
Legal Lot Number4
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1004
Census Tract43209

Owner

Source: Osceola County records · APN 25-26-29-3018-0001-0040

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

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

Owner of Record2 Individual Names on File
Mailing Address2040 KEYSTONE AVE, SAINT CLOUD, FL 34772-7102
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 03, 2026Deed of Trust, Mortgage · Line of Credit
P N C BANK NA
Jan 18, 2023Intrafamily Transfer, Transfer
Mar 27, 2018Deed of Trust, Mortgage · Conventional Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 04, 2015 · Amount on Record
Deed SaleAug 04, 2015 · Amount on Record
Prior SaleMay 06, 2015 · Amount on Record
Deed Doc Number2015115405
Deed Book / Page4820 / 2122
Record RefreshedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 03, 2026
Property Address2040 KEYSTONE AVE, SAINT CLOUD, FL 34772-7102
Document Number0000071880
Book / Page6980 / 2417
Instrument DateMay 21, 2026
Instrument202671880
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address2040 KEYSTONE AVE, SAINT CLOUD, FL 34772-7102

Mortgage

Document Number0000071880,
DateJun 03, 2026
Book Page6980/2417
Instrument202671880
Lender
NameP N C BANK NA
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueJun 01, 2066
Interest
Rate6.23%
Max Rate-1%

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJan 18, 2023
Property Address2040 KEYSTONE AVE, SAINT CLOUD, FL 34772-7102
Document Number0063451337
Book / Page6345 / 1337
Instrument DateJan 13, 2023
Instrument2023006320
Transaction TypeTransfer
Record UpdatedJan 22, 2024

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2225 W DORIS ST, KISSIMMEE, FL 34741-3925

Transferred To (Grantee/Buyer)

NameVerified Name
Address2040 KEYSTONE AVE, SAINT CLOUD, FL 34772-7102

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2040 KEYSTONE AVE, SAINT CLOUD, FL 34772-7102
Document Number0053090230
Instrument DateMar 27, 2018
Transaction TypeMortgage
Record UpdatedApr 18, 2018
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1842 KEYSTONE AVE ST CLOUD FL 347727011, ST CLOUD, FL 34772-7011

Mortgage

Document Number0053090230
DateApr 02, 2018
Book Page005309/000230
Instrument50429
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,451.00 (+15.44%) Homeowner's exemption$455,076 (+14.98%)$672,400 (+13.99%) Land $194,900 Building $477,500
2023$5,588.00 (+3.77%) Homeowner's exemption$395,782 (+3%)$589,900 (+11.89%) Land $155,800 Building $434,100
2022$5,385.00 Homeowner's exemption$384,255$527,200 Land $155,800 Building $371,400

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 81% of the US · above 70% of Florida
Wildfire LikelihoodAbout 1 in 162 per year
ExposureDirect
burnable vegetation at the parcel

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

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