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3103 Keystone Pointe Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3103 Keystone Pointe Ct, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2004
Square Footage1,961 sqft Living Area
Lot Size9,801 sqft (0.225 acres)
OccupancyOwner Occupied
Last Sale$400,000 (2021)
Tax Bill$4,755.00 (2024)

Property Details

APN / Parcel Number

Primary APN22-26-30-0231-0001-0020
Alternative APNs
  • 263022023100010020
  • 122044

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,961 sqft Living Area
Gross Area2,842 sqft Gross Area
1st Floor1,961 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,801 sqft (0.225 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area462 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area275 sqft Pool
Deck Area265 sqft Deck
Porch Area419 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3103 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 2
Legal Range30E
Legal Township26S
Legal Section22
Legal SubdivisionKEYSTONE POINTE PH 1
Legal Phase1
Legal Tract231
Legal Block1
Legal Lot Number2
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1013
Census Tract43207

Owner

Source: Osceola County records · APN 22-26-30-0231-0001-0020

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 Record2 Individual Names on File
Mailing Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 09, 2025Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BANK CENTRAL FLORIDA
Oct 28, 2025Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Jul 22, 2025Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 16, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
AMERISAVE MORTGAGE CORP
Oct 28, 2021Warranty Deed, Transfer · Conventional Mortgage
THE MORTGAGE FIRM INC
Oct 31, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 28, 2021 · Amount on Record
Deed SaleOct 28, 2021 · Amount on Record
Prior SaleOct 31, 2019 · Amount on Record
Deed Doc Number2021167868
Deed Book / Page6074 / 2758
Prior Transfer DateNov 23, 2011
Prior Transfer Doc0042171197
Record RefreshedSep 20, 2026

June 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Mortgage

Document Number0068012066
DateJun 09, 2025
Book Page6801/2066
Instrument2025072648
Lender
NameFIFTH THIRD BANK CENTRAL FLORIDA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueMay 25, 2055

October 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateOct 28, 2025
Property Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0068712594
Book / Page6871 / 2594
Map ReferenceMB 16 PG 18-20
Instrument DateOct 28, 2025
Instrument2025133571
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

July 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 22, 2025
Property Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0068230783
Book / Page6823 / 783
Map ReferenceMB 16 PG 18
Instrument DateJul 11, 2025
Instrument2025091554
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Transferred To (Grantee/Buyer)

NameVerified Name
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Mortgage

Document Number0058140976
DateOct 16, 2020
Book Page5814/976
Instrument2020140228
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 28, 2021
Property Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0060742758
Book / Page6074 / 2758
Map ReferenceMB 16 PG 18-20
Instrument DateOct 26, 2021
Instrument2021167868
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,800.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Transferred To (Grantee/Buyer)

NameVerified Name
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Mortgage

Document Number0060742760
DateOct 28, 2021
Instrument6074/2760
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 31, 2019
Property Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Document Number0056152287
Book / Page5615 / 2287
Map ReferenceMB 2557 PG 2686
Instrument DateOct 25, 2019
Instrument2019141489
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyGOLD STAR TITLE & ESCROW INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,030.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3103 KEYSTONE POINTE CT, 3103, SAINT CLOUD, FL 34772-6523

Transferred To (Grantee/Buyer)

NameVerified Name
Address3103 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Mortgage

Document Number0056152289
DateOct 31, 2019
Instrument5615/2289
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

Tax Assessment & Valuation

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

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$4,918.00 (+3.43%)$317,673 (+2.9%)$344,300 (+1.68%) Land $75,000 Building $269,300
2024$4,755.00 (+2.5%) Homeowner's exemption$308,721 (+3%)$338,600 (+7.63%) Land $70,000 Building $268,600
2023$4,639.00 (+3.43%) Homeowner's exemption$299,730 (+3%)$314,600 (+8.11%) Land $60,000 Building $254,600
2022$4,485.00 Homeowner's exemption$291,000 Land $55,000 Building $236,000$291,000 Land $55,000 Building $236,000

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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