Osceola County property record for 3318 Kelsey Ln, Saint Cloud, FL 34772 · Last verified December 2025
| 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 | $85,000 (Aug 2010) |
| Tax Bill | $4,329 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 87931 |
| Primary APN | 87931 |
|---|---|
| Alternative APN |
|
| 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 |
| 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 | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 205 sqft |
| Patio Area | 176 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 87931 |
|---|---|
| Street Address | 3318 KELSEY LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CROSS CREEK ESTATES PB 10 PG 73 LOT 45 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | CROSS CREEK ESTATES |
| Legal Tract | 577 |
| Legal Block | 1 |
| Legal Lot Number | 45 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 43304 |
Source: Osceola County records · APN 87931
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3318 KELSEY LN, SAINT CLOUD, FL 34772-7033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 27, 2010 · Amount on Record |
| Deed Sale | Aug 27, 2010 · Amount on Record |
| Prior Sale | Dec 03, 2003 · Amount on Record |
| Deed Document Number | 2010124683 |
| Deed Book / Page | 4026 / 1335 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,329.00 (+12.73%) | $255,300 (+0.55%) Land $65,000 Building $190,300 | $255,300 (+0.55%) Land $65,000 Building $190,300 |
| 2023 | $3,840.00 (+17.04%) | $253,900 (+32.1%) Land $60,000 Building $193,900 | $253,900 (+32.1%) Land $60,000 Building $193,900 |
| 2022 | $3,281.00 | $192,200 Land $55,000 Building $137,200 | $192,200 Land $55,000 Building $137,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 36 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
| Wildfire Risk | Low above 34% of the US · above 9% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 3,448 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 421 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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