Osceola County property record for 3311 Kelsey Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,468 sqft · built 1999 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Nov 2024) |
| Tax Bill | $4,306 (2025) |
| Deeds & Mortgages | Nov 2024 Sale & Mortgage Dec 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0577-0001-0290 |
| Primary APN | 26-26-30-0577-0001-0290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,468 sqft Living Area |
| Gross Area | 1,836 sqft |
| 1st Floor Area | 868 sqft |
| Upper Floors Area | 600 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 476 sqft |
| Shed | 1 Shed |
| Shed Area | 72 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3311 KELSEY LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | CROSS CREEK ESTATES PB 10 PG 73 LOT 29 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | CROSS CREEK ESTATES |
| Legal Tract | 577 |
| Legal Block | 290 |
| Legal Lot Number | 29 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 43304 |
Source: Osceola County records, as of July 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3311 KELSEY LN, SAINT CLOUD, FL 34772-7034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 1, 2024 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Dec 29, 2023 | Warranty Deed, Transfer OS NATIONAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2024 · Amount on Record |
| Deed Sale | Nov 1, 2024 · Amount on Record |
| Prior Sale | Dec 29, 2023 · Amount on Record |
| Deed Document Number | 2024139163 |
| Deed Book / Page | 6689 / 254 |
| Prior Transfer Date | Jul 1, 2013 |
| Prior Transfer Doc | 0044642438 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 1, 2024 |
| Property Address | 3311 KELSEY LN, SAINT CLOUD, FL 34772-7034 |
| Document Number | 0066890254 |
| Book / Page | 6689 / 254 |
| Map Reference | MB 10 PG 73&74 |
| Instrument Date | Oct 24, 2024 |
| Instrument | 2024139163 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD, TEMPE, AZ 85288-7094 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3311 KELSEY LN, SAINT CLOUD, FL 34772-7034 |
| Document Number | 2024139164 |
|---|---|
| Date | Nov 1, 2024 |
| Instrument | 2024139164 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 29, 2023 |
| Property Address | 3311 KELSEY LN, SAINT CLOUD, FL 34772-7034 |
| Document Number | 0065271528 |
| Book / Page | 6527 / 1528 |
| Map Reference | MB 10 PG 73 |
| Instrument Date | Dec 21, 2023 |
| Instrument | 2023169550 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,270.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4663 HICKORY TREE RD, SAINT CLOUD, FL 34772-9003 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,306.00 (-14.78%) | $283,500 (+45.55%) Land $65,000 Building $218,500 | $283,500 (+0.35%) Land $65,000 Building $218,500 |
| 2024 | $5,053.00 (+83.81%) | ||
| 2023 | $2,749.00 (+3.81%) Homeowner's exemption | $194,781 (+3%) | $282,500 (+33.07%) Land $60,000 Building $222,500 |
| 2022 | $2,648.00 Homeowner's exemption | $189,108 | $212,300 Land $55,000 Building $157,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 36 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 421 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Xfinity.
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