3314 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3314 Kelsey Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,205 sqft · built 1999
Lot Size	0.137 acres (6,011 sqft)
Owner	Individual Name on File
Last Sale	$50,800 (Jan 2018)
Tax Bill	$921 (2025)
Deeds & Mortgages	Jan 2020 Loan Modification Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`87929`

Property Details

APN / Parcel Number

Primary APN	`87929`
Alternative APN	`262630057700010430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,205 sqft Heated Area
Gross Area	1,828 sqft
1st Floor Area	1,205 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	205 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87929
Street Address	3314 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 43
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES
Legal Tract	577
Legal Block	1
Legal Lot Number	43
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2025
Census Tract	43304

Owner

3314 Kelsey Ln is owned and occupied by an individual who bought it in January 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	3314 KELSEY LN, SAINT CLOUD, FL 34772-7033
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2020	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Jan 14, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 30, 2018	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2018 · Amount on File
Deed Sale	Jan 8, 2018 · Amount on File
Deed Document Number	0005277654
Record Updated	Jun 8, 2026

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3314 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0056671938
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3314 KELSEY LN ST CLOUD FL 347727033, ST CLOUD, FL 34772-7033

Mortgage

Document Number	0056671938
Date	Feb 3, 2020
Book Page	005667/001938
Instrument	16099

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3314 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0056671945
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3314 KELSEY LN ST CLOUD FL 347727033, ST CLOUD, FL 34772-7033

Mortgage

Document Number	0056671945
Date	Feb 3, 2020
Book Page	005667/001945
Instrument	16100

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2050

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2018
Property Address	3314 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0052770654
Book / Page	005277 / 000654
Instrument Date	Jan 8, 2018
Instrument	15783
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	TITLE SOURCES INC

Transaction

Amount	Amount on Record
Tax	$88.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3314 KELSEY LN ST CLOUD FL 347727033, ST CLOUD, FL 34772-7033

Mortgage

Document Number	52770658
Date	Jan 30, 2018
Book Page	005277/000658
Instrument	15784

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3314 Kelsey Ln was $921 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$921.00 Homeowner's exemption	$94,371	$253,200 Land $65,000 Building $188,200
2023	$844.00 (+5.76%) Homeowner's exemption	$89,041 (+3%)	$251,800 (+32.18%) Land $60,000 Building $191,800
2022	$798.00 Homeowner's exemption	$86,448	$190,500 Land $55,000 Building $135,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3314 Kelsey Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 3314 Kelsey Ln is low, with a 0.03% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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