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3101 Keystone Pointe Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3101 Keystone Pointe Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2004
Square Footage1,863 sqft Heated Area
Lot Size11,238 sqft (0.257 acres)
OccupancyOwner Occupied
Last Sale$439,000 (2022)
Tax Bill$6,039.00 (2025)

Property Details

APN / Parcel Number

Primary APN122043
Alternative APN
  • 222630023100010010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,863 sqft Heated Area
Gross Area2,739 sqft Gross Area
1st Floor1,863 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2004
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,238 sqft (0.257 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area529 sqft Garage

Exterior Amenities

Pool TypeSpa/Hot Tub (Only) Pool Type
Pool Area28 sqft Pool
Deck Area414 sqft Deck
Patio Area42 sqft Patio
PorchOpen Porch
Porch Area347 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number122043
Street Address3101 KEYSTONE POINTE CT
CitySAINT CLOUD
StateFL
Zip34772-6523
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionKEYSTONE POINTE PHASE ONE PB 16 PGS 18-20 LOT 1
Legal Range30E
Legal Township26S
Legal Section22
Legal SubdivisionKEYSTONE POINTE
Legal Phase1
Legal Tract231
Legal Block1
Legal Lot Number1
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1013
Census Tract43207

Owner

Source: Osceola County records · APN 122043

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 13, 2022Special Warranty Deed, Transfer · Conventional Mortgage
GUARANTEED RATE INC
Feb 07, 2022Trustee's Deed, Foreclosure
ATTORNEY ONLY, ATTORNEY
Dec 03, 2019Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage
AMERIHOME MTG
Mar 16, 2018Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
PARAMOUNT RESIDENTIAL MORTGAGE GROU
Aug 30, 2017Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 13, 2022 · Amount on Record
Deed SaleMay 13, 2022 · Amount on Record
Prior SaleFeb 07, 2022 · Amount on Record
Deed Doc Number2022076280
Deed Book / Page6213 / 2694
Record RefreshedJun 08, 2026

May 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 13, 2022
Property Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0062132694
Book / Page6213 / 2694
Map ReferenceMB 16 PG 18-20
Instrument DateMay 10, 2022
Instrument2022076280
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,073.00
Amount AccuracyRounded Values by County
Additional
  • Notice of Foreclosure Sale
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 470419, KISSIMMEE, FL 34747-0419

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Mortgage

Document Number0062132696
DateMay 13, 2022
Instrument6213/2696
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

February 2022: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionOSCEOLA FL
Recording DateFeb 07, 2022
Property Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0061450831
Book / Page6145 / 831
Map ReferenceMB 16 PG 18-20
Instrument DateFeb 07, 2022
Instrument2022020587
Transaction TypeForeclosure
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$280.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4704 3101, KISSIMMEE, FL 34747

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0056582223
Instrument DateDec 03, 2019
Transaction TypeMortgage
Record UpdatedFeb 04, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3101 KEYSTONE POINTE CT ST CLOUD FL 347726523, ST CLOUD, FL 34772-6523

Mortgage

Document Number0056582223
DateJan 15, 2020
Book Page005658/002223
Instrument7899
Lender
NameAMERIHOME MTG
TypeMortgage Company
AddressEWING, NJ 08618
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 14, 2050
Interest
Rate TypeFixed Rate
Rate3.75%

March 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 16, 2018
Property Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0053021541
Book / Page5302 / 1541
Map ReferenceMB16 PG18-20
Instrument DateMar 13, 2018
Instrument2018043460
Transaction TypeTransfer
Record UpdatedFeb 17, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,806.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address8200 JONES BRANCH DR, 8200, MC LEAN, VA 22102-3107

Transferred To (Grantee/Buyer)

NameVerified Name
Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
InvestorPossibly a Property Investor

Mortgage

Document Number2018043461
DateMar 16, 2018
Instrument2018043461
Lender
NamePARAMOUNT RESIDENTIAL MORTGAGE GROU
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2048

August 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionOSCEOLA FL
Recording DateAug 30, 2017
Property Address3101 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0052020879
Book / Page005202 / 000879
Instrument DateMay 30, 2017
Instrument125336
Transaction TypeForeclosure
Record UpdatedOct 05, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5000 PLANO PKWY CARROLLTON TX 750104900, CARROLLTON, TX 75010-4900
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
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$6,039.00 (+8.81%)$337,200 (+9.48%) Land $75,000 Building $262,200$337,200 (+9.48%) Land $75,000 Building $262,200
2023$5,550.00 (+24.5%)$308,000 (+8.22%) Land $60,000 Building $248,000$308,000 (+8.22%) Land $60,000 Building $248,000
2022$4,458.00$284,600 Land $55,000 Building $229,600$284,600 Land $55,000 Building $229,600

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 AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM

Wildfire

Wildfire RiskModerate
above 60% of the US · above 34% of Florida
Wildfire LikelihoodAbout 1 in 649 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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