Osceola County property record for 3320 Kelsey Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,687 sqft · built 1999 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Company Name on Record |
| Last Sale | $140,000 (May 2014) |
| Tax Bill | $5,110 (2025) |
| Deeds & Mortgages | May 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0577-0001-0460 |
| Primary APN | 26-26-30-0577-0001-0460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,687 sqft Living Area |
| Gross Area | 2,247 sqft |
| 1st Floor Area | 1,687 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| 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 | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 180 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3320 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 46 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | CROSS CREEK ESTATES |
| Legal Tract | 577 |
| Legal Block | 460 |
| Legal Lot Number | 46 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 43304 |
Source: Osceola County records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 4090, SCOTTSDALE, AZ 85261-4090 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2014 · Amount on Record |
| Deed Sale | May 7, 2014 · Amount on Record |
| Prior Sale | Jan 10, 2011 · Amount on Record |
| Deed Document Number | 201464026 |
| Deed Book / Page | 4605 / 2514 |
| Last Transfer Date | Apr 25, 2019 |
| Transfer Doc | 0055190143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 3, 2019 |
| Property Address | 3320 KELSEY LN, SAINT CLOUD, FL 34772-7033 |
| Document Number | 0055190143 |
| Book / Page | 005519 / 000143 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 57587 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090 |
Source: Osceola County assessment roll, as of November 26, 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 | $5,110.00 (+6.99%) | $298,100 (+0.24%) Land $65,000 Building $233,100 | $298,100 (+0.24%) Land $65,000 Building $233,100 |
| 2024 | $4,776.00 (+5.34%) | ||
| 2023 | $4,534.00 (+17.46%) | $297,400 (+33.72%) Land $60,000 Building $237,400 | $297,400 (+33.72%) Land $60,000 Building $237,400 |
| 2022 | $3,860.00 | $222,400 Land $55,000 Building $167,400 | $222,400 Land $55,000 Building $167,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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