3315 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3315 Kelsey Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,236 sqft · built 1999
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Apr 2019)
Tax Bill	$2,422 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0577-0001-0310`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0577-0001-0310`
Alternative APNs	`263026057700010310` `87917`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,236 sqft Living Area
Gross Area	1,702 sqft
1st Floor Area	1,236 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
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	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	46 sqft
Patio Area	176 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3315 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 31
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES
Legal Tract	577
Legal Block	310
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43304

Owner

3315 Kelsey Ln is owned and occupied by two individuals who bought it in April 2019.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3315 KELSEY LN, SAINT CLOUD, FL 34772-7034
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
Aug 6, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 16, 2019	Warranty Deed, Transfer · FHA Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2019 · Amount on File
Deed Sale	Apr 16, 2019 · Amount on File
Prior Sale	Sep 10, 2010 · Amount on File
Deed Document Number	201947850
Deed Book / Page	5508 / 112
Prior Transfer Date	Nov 9, 2005
Prior Transfer Doc	0030130723
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3315 KELSEY LN, SAINT CLOUD, FL 34772-7034
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 KELSEY LN, SAINT CLOUD, FL 34772-7034

Mortgage

Document Number	0066450063
Date	Aug 6, 2024
Book Page	6645/63
Instrument	2024101287

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 23, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3315 KELSEY LN, SAINT CLOUD, FL 34772-7034
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 KELSEY LN, SAINT CLOUD, FL 34772-7034

Mortgage

Document Number	0059561700
Date	May 12, 2021
Book Page	5956/1700
Instrument	2021073103

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 16, 2019
Property Address	3315 KELSEY LN, SAINT CLOUD, FL 34772-7034
Document Number	0055080112
Book / Page	5508 / 0112
Map Reference	MB 10 PG 73&74
Instrument Date	Apr 15, 2019
Instrument	2019047850
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5425 ALLIGATOR LAKE RD, 5425, SAINT CLOUD, FL 34772-9331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 KELSEY LN, SAINT CLOUD, FL 34772-7034

Mortgage

Document Number	2019047851
Date	Apr 16, 2019
Instrument	2019047851

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3315 Kelsey Ln was $2,422 with a homeowner's exemption, up 3.7% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$2,422.00 (+3.68%) Homeowner's exemption	$178,205	$260,600 Land $65,000 Building $195,600
2024	$2,336.00 (+2.95%)
2023	$2,269.00 (+3.99%) Homeowner's exemption	$168,139 (+3%)	$259,300 (+32.36%) Land $60,000 Building $199,300
2022	$2,182.00 Homeowner's exemption	$163,242	$195,900 Land $55,000 Building $140,900

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

Flood

FEMA maps place 3315 Kelsey Ln in Zone X, an area of minimal flood risk, within 500 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 500 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 3315 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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