3112 Keystone Pointe Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3112 Keystone Pointe Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2004
Square Footage	2,110 sqft Heated Area
Lot Size	10,019 sqft (0.23 acres)
Occupancy	Owner Occupied
Last Sale	$126,500 (2011)
Tax Bill	$1,588.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`122057`
Alternative APN	`222630023100010160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,110 sqft Heated Area
Gross Area	2,596 sqft Gross Area
1st Floor	2,110 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,019 sqft (0.23 acres)
Depth X Width	125 ft x 80 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	441 sqft Garage
Patio Area	140 sqft Patio
Porch	Open Porch
Porch Area	45 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	122057
Street Address	3112 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 16
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	KEYSTONE POINTE
Legal Phase	1
Legal Tract	231
Legal Block	1
Legal Lot Number	16
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1013
Census Tract	43207

Owner

Source: Osceola County records · APN 122057

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3112 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 02, 2011 · Amount on Record
Deed Sale	May 02, 2011 · Amount on Record
Prior Sale	Dec 03, 2010
Deed Doc Number	2011057677
Deed Book / Page	4123 / 2341
Record Refreshed	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3112 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3112 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523

Mortgage

Document Number	0061550794
Date	Feb 22, 2022
Book Page	6155/794
Instrument	2022028439

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,588.00 (+7.52%) Homeowner's exemption	$131,630 (+5.99%)	$328,400 (+9.32%) Land $75,000 Building $253,400
2023	$1,477.00 (+4.53%) Homeowner's exemption	$124,196 (+3%)	$300,400 (+8.45%) Land $60,000 Building $240,400
2022	$1,413.00 Homeowner's exemption	$120,579	$277,000 Land $55,000 Building $222,000

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 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

Wildfire Risk	Moderate above 60% of the US · above 34% of Florida
Wildfire Likelihood	About 1 in 649 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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