Osceola County property record for 3107 Keystone Pointe Ct, Saint Cloud, FL 34772 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2004 |
| Square Footage | 2,284 sqft Living Area |
| Lot Size | 21,954 sqft (0.504 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $60,000 (2007) |
| Tax Bill | $5,852.00 (2024) |
| Primary APN | 22-26-30-0231-0001-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,284 sqft Living Area |
| Gross Area | 2,995 sqft Gross Area |
| 1st Floor | 2,284 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 21,954 sqft (0.504 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 450 sqft Pool |
| Deck Area | 493 sqft Deck |
| Porch Area | 311 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3107 KEYSTONE POINTE CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6523 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KEYSTONE POINTE PHASE ONE PB 16 PGS 18-20 LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | KEYSTONE POINTE PH 1 |
| Legal Phase | 1 |
| Legal Tract | 231 |
| Legal Block | 40 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 43207 |
Source: Osceola County records · APN 22-26-30-0231-0001-0040
Assessment roll updated November 26, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3107 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 01, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NONE LISTED ON DOCUMENT |
| Mar 20, 2023 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Jun 05, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LOANDEPOT.COM LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 08, 2007 · Amount on Record |
| Deed Sale | Jun 08, 2007 · Amount on Record |
| Prior Sale | Jan 27, 2005 · Amount on Record |
| Deed Doc Number | 2007107918 |
| Deed Book / Page | 3496 / 2927 |
| Prior Transfer Date | May 01, 2007 |
| Prior Transfer Doc | 0034962927 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 01, 2026 |
| Property Address | 3107 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Document Number | 0000057703 |
| Book / Page | 6964 / 2364 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 202657703 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3107 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Document Number | 0000057703, |
|---|---|
| Date | May 01, 2026 |
| Book Page | 6964/2364 |
| Instrument | 202657703 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Jun 01, 2054 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3107 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3107 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Document Number | 0063730992 |
|---|---|
| Date | Mar 20, 2023 |
| Book Page | 6373/992 |
| Instrument | 2023031404 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3107 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3107 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Document Number | 0066120356 |
|---|---|
| Date | Jun 05, 2024 |
| Book Page | 6612/356 |
| Instrument | 2024074119 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Jul 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 6.37% |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 6.37% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,287.00 (+7.43%) | $374,600 (+9.21%) Land $75,000 Building $299,600 | $374,600 (+9.21%) Land $75,000 Building $299,600 |
| 2024 | $5,852.00 (+8.03%) | ||
| 2023 | $5,417.00 (+9.24%) | $343,000 (+8.1%) Land $60,000 Building $283,000 | $343,000 (+8.1%) Land $60,000 Building $283,000 |
| 2022 | $4,959.00 | $317,300 Land $55,000 Building $262,300 | $317,300 Land $55,000 Building $262,300 |
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
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 239 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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