3322 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3322 Kelsey Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,484 sqft · built 2000
Lot Size	0.148 acres (6,446 sqft)
Owner	Company Name on Record
Last Sale	$98,000 (Nov 2012)
Tax Bill	$4,591 (2025)
Deeds & Mortgages	Oct 2018 Loan Modification Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0577-0001-0470`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0577-0001-0470`
Alternative APNs	`263026057700010470` `87933`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,484 sqft Living Area
Gross Area	1,852 sqft
1st Floor Area	868 sqft
Upper Floors Area	616 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
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	6,446 sqft (0.148 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	116 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3322 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 EST PH 1 PB 10 PGS 73 & 74 LOT 47, & COM AT SE COR LOT 48 N 71 DEG W 126.85 FT TO PT ON W/L LOT 48, S 3.97 FT TO SW COR LOT 48, S 72 DEG E ALONG S/L LOT 48 125.62 FT TO POB
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES
Legal Phase	1
Legal Tract	577
Legal Block	470
Legal Lot Number	47
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2025
Census Tract	43304

Owner

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

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2018	Loan Modification, Mortgage · Line of Credit MORGAN STANLEY MTG CAP HOLDING
Oct 8, 2018	Grant Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2012 · Amount on Record
Deed Sale	Nov 8, 2012 · Amount on Record
Prior Sale	Jun 2, 2000 · Amount on Record
Deed Document Number	2012165013
Deed Book / Page	4348 / 1960
Record Updated	Oct 29, 2026

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Oct 17, 2018
Property Address	3322 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0054190297
Book / Page	005419 / 000297
Instrument Date	Oct 4, 2018
Instrument	155775
Transaction Type	Mortgage
Record Updated	Nov 5, 2018
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	810 7TH AVE #24TH NEW YORK NY 100195818, 24TH, NEW YORK, NY 10019-5818

Mortgage

Document Number	54190297
Date	Oct 17, 2018
Book Page	005419/000297
Instrument	155775

Lender

Name	MORGAN STANLEY MTG CAP HOLDING
Type	Mortgage Company
Address	1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 16, 2038

Interest

Rate Type	Adjustable Rate

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 8, 2018
Property Address	3322 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0054141381
Book / Page	005414 / 001381
Instrument Date	Oct 4, 2018
Instrument	151294
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090

Tax Assessment & Valuation

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	$4,591.00 (+6.97%)	$269,400 (+0.48%) Land $65,000 Building $204,400	$269,400 (+0.48%) Land $65,000 Building $204,400
2024	$4,292.00 (+5.43%)
2023	$4,071.00 (+17.15%)	$268,100 (+32.66%) Land $60,000 Building $208,100	$268,100 (+32.66%) Land $60,000 Building $208,100
2022	$3,475.00	$202,100 Land $55,000 Building $147,100	$202,100 Land $55,000 Building $147,100

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

Flood

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.

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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