Osceola County property record for 3120 Keystone Pointe Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2004 |
| Square Footage | 2,454 sqft Heated Area |
| Lot Size | 18,949 sqft (0.435 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $505,000 (2023) |
| Tax Bill | $6,444.00 (2025) |
| Primary APN | 122054 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,454 sqft Heated Area |
| Gross Area | 3,327 sqft Gross Area |
| 1st Floor | 2,454 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 18,949 sqft (0.435 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 484 sqft Garage |
| Pool Area | 280 sqft Pool |
|---|---|
| Deck Area | 446 sqft Deck |
| Porch | Open Porch |
| Porch Area | 389 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 122054 |
|---|---|
| Street Address | 3120 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 12 |
| 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 | 12 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 43207 |
Source: Osceola County records · APN 122054
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 | 3120 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| May 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 17, 2023 · Amount on Record |
| Deed Sale | May 17, 2023 · Amount on Record |
| Prior Sale | Jun 27, 2007 · Amount on Record |
| Deed Doc Number | 2023063359 |
| Deed Book / Page | 6408 / 2879 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 17, 2023 |
| Property Address | 3120 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Document Number | 0064082879 |
| Book / Page | 6408 / 2879 |
| Map Reference | MB 16 PG 18-20 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 2023063359 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ELEVATED TITLE LLC, ELEVATED TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,535.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 470 RIVERBEND RD, LAVONIA, GA 30553-2173 |
| Name | Verified Name |
|---|---|
| Address | 3120 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Document Number | 0064082881 |
|---|---|
| Date | May 17, 2023 |
| Instrument | 6408/2881 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3120 KEYSTONE POINTE CT, SAINT CLOUD, FL 34772-6523 |
| Document Number | 0057301269 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3120 KEYSTONE POINTE CT ST CLOUD FL 347726523, ST CLOUD, FL 34772-6523 |
| Document Number | 0057301269 |
|---|---|
| Date | Jun 02, 2020 |
| Book Page | 005730/001269 |
| Instrument | 70454 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,444.00 (+186.53%) Homeowner's exemption | $402,900 (+141.16%) Land $75,000 Building $327,900 | $402,900 (+8.69%) Land $75,000 Building $327,900 |
| 2023 | $2,249.00 (+3.98%) Homeowner's exemption | $167,067 (+3%) | $370,700 (+8.04%) Land $60,000 Building $310,700 |
| 2022 | $2,163.00 Homeowner's exemption | $162,201 | $343,100 Land $55,000 Building $288,100 |
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 | Moderate above 56% of the US · above 27% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 730 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.
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