Osceola County property record for 3324 Kelsey Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,078 sqft · built 2000 |
| Lot Size | 0.158 acres (6,926 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $84,000 (Mar 2014) |
| Tax Bill | $4,556 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 87934 |
| Primary APN | 87934 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,078 sqft Heated Area |
| Gross Area | 1,795 sqft |
| 1st Floor Area | 1,078 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,926 sqft (0.158 acres) |
| Lot Dimensions | 137 ft deep x 59 ft wide |
| Garage Type | Finished |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 28 sqft |
| Porch | Open Porch |
| Porch Area | 486 sqft |
| Deck Area | 524 sqft |
| Patio Area | 80 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 87934 |
|---|---|
| Street Address | 3324 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 PG 73 & 74 LOT 48 LESS COM AT SE COR LOT 48, N 71 DEG W 126.85 FT TO PT ON W/L LOT 48, S 3.97 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | CROSS CREEK ESTATES |
| Legal Phase | 1 |
| Legal Tract | 577 |
| Legal Block | 1 |
| Legal Lot Number | 48,125 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 43304 |
The current owner of 3324 Kelsey Ln bought it in March 2014.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 3340 GATOR BAY CREEK BLVD, SAINT CLOUD, FL 34772-7389 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2014 · Amount on File |
| Deed Sale | Mar 21, 2014 · Amount on File |
| Prior Sale | Nov 15, 2013 |
| Deed Document Number | 2014039607 |
| Deed Book / Page | 4585 / 0267 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3324 Kelsey Ln was $4,556.
Source: Osceola County assessment roll, as of July 1, 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 | $4,556.00 | $262,800 Land $65,000 Building $197,800 | $262,800 Land $65,000 Building $197,800 |
| 2023 | $4,023.00 (+16.2%) | $259,300 (+29.78%) Land $60,000 Building $199,300 | $259,300 (+29.78%) Land $60,000 Building $199,300 |
| 2022 | $3,462.00 | $199,800 Land $55,000 Building $144,800 | $199,800 Land $55,000 Building $144,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3324 Kelsey Ln in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 3324 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.
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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