3319 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3319 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	0.138 acres (6,011 sqft)
Owner	Individual Name on File
Last Sale	$283,000 (Jul 2026)
Tax Bill	$4,330 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0577-0001-0330`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0577-0001-0330`
Alternative APNs	`263026057700010330` `87919`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,205 sqft Living Area
Gross Area	1,828 sqft
1st Floor Area	1,205 sqft
Flooring	Carpet
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
Foundation Type	Footing
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	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	205 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3319 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 33
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES
Legal Tract	577
Legal Block	330
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43304

Owner

3319 Kelsey Ln is owned and occupied by an individual who bought it in July 2026.

Source: Osceola County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	3319 KELSEY LN, SAINT CLOUD, FL 34772-7034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Jul 13, 2026	Warranty Deed, Transfer · Conventional Mortgage GTE FEDERAL CREDIT UNION
Jun 9, 2026	Warranty Deed, Transfer · Construction Mortgage RFLF 5 LLC
Jun 9, 2026	Warranty Deed, Construction Loan · Construction Mortgage RFLF 5 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Jun 9, 2026 · Amount on File
Deed Document Number	202691284
Deed Book / Page	7002 / 2896
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2026
Property Address	3319 KELSEY LN, SAINT CLOUD, FL 34772-7034
Document Number	0000091284
Book / Page	7002 / 2896
Instrument Date	Jul 9, 2026
Instrument	202691284
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200,081.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3319 KELSEY LN, SAINT CLOUD, FL 34772-7034

Mortgage

Document Number	0000091285,
Date	Jul 13, 2026
Instrument	202691285

Lender

Name	GTE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2026
Property Address	3319 KELSEY LN, SAINT CLOUD, FL 34772-7034
Document Number	0000075919
Book / Page	6985 / 1277
Instrument Date	Jun 5, 2026
Instrument	202675919
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	HARMONY CLOSING CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155,540.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000075920,
Date	Jun 9, 2026
Instrument	202675920

Lender

Name	RFLF 5 LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 1, 2027

Interest

Rate	6.23%
Max Rate	-1%

June 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2026
Property Address	3319 KELSEY LN, SAINT CLOUD, FL 34772-7034
Document Number	0069851277
Book / Page	6985 / 1277
Instrument Date	Jun 5, 2026
Instrument	202675919
Transaction Type	Construction Loan
Record Updated	Sep 9, 2026
Title Company	CLOSING COMPANY LLC, HARMONY CLOSING CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155,540.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000075920,
Date	Jun 9, 2026
Instrument	202675920

Lender

Name	RFLF 5 LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 1, 2027

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3319 Kelsey Ln was $4,330, up 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	$4,330.00 (+6.97%)	$255,500 Land $65,000 Building $190,500	$255,500 Land $65,000 Building $190,500
2024	$4,048.00 (+5.39%)
2023	$3,841.00 (+17.07%)	$254,100 (+32.21%) Land $60,000 Building $194,100	$254,100 (+32.21%) Land $60,000 Building $194,100
2022	$3,281.00	$192,200 Land $55,000 Building $137,200	$192,200 Land $55,000 Building $137,200

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

Flood

FEMA maps place 3319 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 3319 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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