Osceola County property record for 3312 Kelsey Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,066 sqft · built 1999 |
| Lot Size | 0.137 acres (6,011 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $97,000 (Aug 2002) |
| Tax Bill | $846 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jul 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 87928 |
| Primary APN | 87928 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,066 sqft Heated Area |
| Gross Area | 1,435 sqft |
| 1st Floor Area | 1,066 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,011 sqft (0.137 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 138 sqft |
| Patio Area | 48 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 87928 |
|---|---|
| Street Address | 3312 KELSEY LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | CROSS CREEK ESTATES PB 10 PG 73 LOT 42 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | CROSS CREEK ESTATES |
| Legal Tract | 577 |
| Legal Block | 1 |
| Legal Lot Number | 42 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 43304 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | PO BOX 700056, SAINT CLOUD, FL 34770-0056 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage SPECIALIZED LOAN SERVICES LLC |
| Jul 2, 2025 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2002 · Amount on Record |
| Deed Sale | Aug 7, 2002 · Amount on Record |
| Prior Sale | Jun 13, 2002 |
| Deed Document Number | 0209001805 |
| Deed Book / Page | 02090 / 01805 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3312 KELSEY LN, SAINT CLOUD, FL 34772-7033 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3312 KELSEY LN, SAINT CLOUD, FL 34772-7033 |
| Document Number | 0060762384 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 6076/2384 |
| Instrument | 2021169267 |
| Name | SPECIALIZED LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 278 Months |
| Due | Jan 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3312 KELSEY LN, SAINT CLOUD, FL 34772-7033 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3312 KELSEY LN, SAINT CLOUD, FL 34772-7033 |
| Document Number | 0068122290 |
|---|---|
| Date | Jul 2, 2025 |
| Book Page | 6812/2290 |
| Instrument | 2025082510 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 234 Months |
| Due | Jan 1, 2045 |
Source: Osceola County assessment roll, as of July 1, 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 | $846.00 (+9.44%) Homeowner's exemption | $90,160 (+5.99%) | $237,100 (+0.68%) Land $65,000 Building $172,100 |
| 2023 | $773.00 (+6.04%) Homeowner's exemption | $85,068 (+3%) | $235,500 (+31.05%) Land $60,000 Building $175,500 |
| 2022 | $729.00 Homeowner's exemption | $82,591 | $179,700 Land $55,000 Building $124,700 |
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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