Osceola County property record for 3317 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 | Individual Name on File |
| Last Sale | $253,000 (Jun 2025) |
| Tax Bill | $514 (2025) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 87918 |
| Primary APN | 87918 |
|---|---|
| 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 |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 87918 |
|---|---|
| Street Address | 3317 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 32 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | CROSS CREEK ESTATES |
| Legal Tract | 577 |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 43304 |
3317 Kelsey Ln is owned and occupied by an individual who bought it in June 2025.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 437 TROTWOOD LN SW, PALM BAY, FL 32908-3342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2025 · Amount on File |
| Deed Sale | Jun 10, 2025 · Amount on File |
| Prior Sale | Feb 10, 2006 · Amount on File |
| Deed Document Number | 2025073167 |
| Deed Book / Page | 6802 / 1067 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 10, 2025 |
| Property Address | 3317 KELSEY LN, SAINT CLOUD, FL 34772-7034 |
| Document Number | 0068021067 |
| Book / Page | 6802 / 1067 |
| Map Reference | MB 10 PG 73&74 |
| Instrument Date | Jun 6, 2025 |
| Instrument | 2025073167 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,771.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2039 CROSSHAIR CIR, ORLANDO, FL 32837-3429 |
| Name | Verified Name |
|---|---|
| Address | 437 TROTWOOD LN SW, PALM BAY, FL 32908-3342 |
| Document Number | 0068021069 |
|---|---|
| Date | Jun 10, 2025 |
| Instrument | 6802/1069 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
The 2025 property tax bill for 3317 Kelsey Ln was $514 with exemptions applied.
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 | $514.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $88,271 | $236,400 Land $65,000 Building $171,400 |
| 2023 | $442.00 (-7.92%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $83,286 (+3%) | $234,600 (+31.28%) Land $60,000 Building $174,600 |
| 2022 | $480.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $80,861 | $178,700 Land $55,000 Building $123,700 |
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.
FEMA maps place 3317 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 risk around 3317 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.
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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