3334 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3334 Kelsey Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,468 sqft · built 1999
Lot Size	0.145 acres (6,316 sqft)
Owner	Company Name on Record
Last Sale	$356,000 (Jul 2022)
Tax Bill	$4,994 (2025)
Deeds & Mortgages	Jul 2022 Sale Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0577-0001-0530`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0577-0001-0530`
Alternative APNs	`263026057700010530` `87939`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,468 sqft Living Area
Gross Area	1,836 sqft
1st Floor Area	868 sqft
Upper Floors Area	600 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
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	6,316 sqft (0.145 acres)
Lot Dimensions	120 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	116 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3334 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 53
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES
Legal Tract	577
Legal Block	530
Legal Lot Number	53
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	14800 QUORUM DR, 510, DALLAS, TX 75254-6200
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jul 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Aug 25, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Aug 25, 2017 · Amount on Record
Deed Document Number	2022104339
Deed Book / Page	6246 / 452
Prior Transfer Date	Jun 22, 2021
Prior Transfer Doc	0059950342
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2022
Property Address	3334 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0062460452
Book / Page	6246 / 452
Map Reference	MB 10 PG 73&74
Instrument Date	Jun 30, 2022
Instrument	2022104339
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,492.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 SHORE LAKE DRIVE, GREENSBORO, NC 27455-4000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1159 COTTONWOOD LN, DOVER, DE 19901
Investor	Possibly a Property Investor

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2021
Property Address	3334 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0059950342
Book / Page	5995 / 342
Map Reference	MB 10 PG 73&74
Instrument Date	Jun 22, 2021
Instrument	2021104035
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3334 KELSEY LN, SAINT CLOUD, FL 34772-7033
Investor	Possibly a Property Investor

Mortgage

Document Number	0005995344
Date	Jul 2, 2021
Instrument	5995/344

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2017
Property Address	3334 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0052001785
Book / Page	5200 / 1785
Map Reference	MB10 PG73&74
Instrument Date	Aug 25, 2017
Instrument	2017123753
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,372.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1128 PINE LN, 1128, SAINT CLOUD, FL 34771-4807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3334 KELSEY LN, SAINT CLOUD, FL 34772-7033

Mortgage

Document Number	0052001786
Date	Aug 25, 2017
Instrument	5200/1786

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$4,994.00 (+0.5%)	$278,800 (+0.5%) Land $65,000 Building $213,800	$278,800 (+0.5%) Land $65,000 Building $213,800
2024	$4,969.00 (-0.6%)
2023	$4,999.00 (+123.77%)	$277,400 (+66.97%) Land $60,000 Building $217,400	$277,400 (+32.85%) Land $60,000 Building $217,400
2022	$2,234.00 Homeowner's exemption	$166,141	$208,800 Land $55,000 Building $153,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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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