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3321 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3321 Kelsey Ln, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,687 sqft · built 1999
Lot Size0.138 acres (6,011 sqft)
OwnerCompany Name on File
Last Sale$208,000 (Dec 2018)
Tax Bill$5,087 (2025)
Deeds & MortgagesOct 2019 Sale
Dec 2018 Sale
Flood ZoneZone X (minimal risk)
APN26-26-30-0577-0001-0340

Property Details

APN / Parcel Number

Primary APN26-26-30-0577-0001-0340
Alternative APNs
  • 263026057700010340
  • 87920

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,687 sqft Living Area
Gross Area2,247 sqft
1st Floor Area1,687 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,011 sqft (0.138 acres)
Lot Dimensions120 ft deep x 50 ft wide
Garage TypeAttached
Garage Area380 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area180 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3321 KELSEY LN
CitySAINT CLOUD
StateFL
Zip34772-7034
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionCROSS CREEK ESTATES PB 10 PG 73 LOT 34
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionCROSS CREEK ESTATES
Legal Tract577
Legal Block340
Legal Lot Number34
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2024
Census Tract43304

Owner

3321 Kelsey Ln is owned by a company that bought it in December 2018.

Source: Osceola County records, as of April 14, 2026

Owner of RecordCompany Name on File
Mailing AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner TypeCompany
VestingLimited Liability Company

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

DateDocument
Oct 8, 2019Special Warranty Deed, Transfer
OS NATIONAL LLC
Dec 18, 2018Warranty Deed, Transfer
FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 18, 2018 · Amount on File
Deed SaleDec 18, 2018 · Amount on File
Prior SaleDec 16, 2009 · Amount on File
Deed Document Number2018184676
Deed Book / Page5451 / 219
Prior Transfer DateSep 25, 2009
Prior Transfer Doc0039280060
Record UpdatedOct 29, 2026

October 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 8, 2019
Property Address3321 KELSEY LN, SAINT CLOUD, FL 34772-7034
Document Number0056021693
Book / Page5602 / 1693
Map ReferenceMB 10 PG 73&74
Instrument DateOct 3, 2019
Instrument2019130092
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyOS NATIONAL LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
InvestorPossibly a Property Investor

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 18, 2018
Property Address3321 KELSEY LN, SAINT CLOUD, FL 34772-7034
Document Number0054510219
Book / Page005451 / 000219
Instrument DateDec 14, 2018
Instrument184676
Transaction TypeTransfer
Record UpdatedJan 13, 2020
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

AmountAmount on Record
Tax$1,456.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3321 Kelsey Ln was $5,087, up 7% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,087.00 (+7.03%)$295,100 Land $65,000 Building $230,100$295,100 Land $65,000 Building $230,100
2024$4,753.00 (+5.39%)
2023$4,510.00 (+17.36%)$294,300 (+33.65%) Land $60,000 Building $234,300$294,300 (+33.65%) Land $60,000 Building $234,300
2022$3,843.00$220,200 Land $55,000 Building $165,200$220,200 Land $55,000 Building $165,200

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

Flood

FEMA maps place 3321 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 36 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 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 3321 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 RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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