3328 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3328 Kelsey Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,687 sqft · built 2000
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on File
Tax Bill	$5,090 (2025)
Deeds & Mortgages	Feb 2020 Sale Apr 2017 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`87936`

Property Details

APN / Parcel Number

Primary APN	`87936`
Alternative APN	`262630057700010500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,687 sqft Heated Area
Gross Area	2,247 sqft
1st Floor Area	1,687 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	185 ft deep x 63 ft wide
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Fence	Fence
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87936
Street Address	3328 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 50
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES
Legal Tract	577
Legal Block	1
Legal Lot Number	50
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2025
Census Tract	43304

Owner

3328 Kelsey Ln is owned by a company that acquired it in February 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Company Name on File
Mailing Address	PO BOX 4900, SCOTTSDALE, AZ 85261-4900
Owner Type	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

Date	Document
Feb 26, 2020	Warranty Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC
Apr 28, 2017	Quit Claim Deed, Transfer Quitclaim
May 3, 2017	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2020
Deed Sale	Feb 26, 2020
Prior Sale	Nov 20, 2013
Deed Document Number	2020027652
Deed Book / Page	5680 / 1795
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2020
Property Address	3328 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0056801795
Book / Page	005680 / 001795
Instrument Date	Feb 25, 2020
Instrument	27652
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1717 MAIN ST DALLAS TX 752014612, DALLAS, TX 75201-4612

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 28, 2017
Property Address	3328 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0051392045
Book / Page	005139 / 002045
Instrument Date	Apr 28, 2017
Instrument	63301
Transaction Type	Transfer
Record Updated	Jun 26, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657
Investor	Possibly a Property Investor

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2017
Property Address	3328 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0051420252
Book / Page	005142 / 000252
Instrument Date	Apr 28, 2017
Instrument	65631
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657
Investor	Possibly a Property Investor

Mortgage

Document Number	51420252
Date	May 3, 2017
Book Page	005142/000252
Instrument	65631

Lender

Name	WELLS FARGO BK
Type	Bank
Address	2010 CORPORATE RDG # 1000, MCLEAN, VA 22102-7858

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3328 Kelsey Ln was $5,090.

Source: Osceola County assessment roll, as of July 1, 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	$5,090.00	$294,200 Land $65,000 Building $229,200	$294,200 Land $65,000 Building $229,200
2023	$4,512.00 (+17.32%)	$293,400 (+33.55%) Land $60,000 Building $233,400	$293,400 (+33.55%) Land $60,000 Building $233,400
2022	$3,846.00	$219,700 Land $55,000 Building $164,700	$219,700 Land $55,000 Building $164,700

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

Flood

FEMA maps place 3328 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

Wildfire risk around 3328 Kelsey Ln is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: AT&T, Xfinity.

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