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3348 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3348 Kelsey Ln, Saint Cloud, FL 34772 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,252 sqft · built 2000
Lot Size0.138 acres (6,011 sqft)
Owner2 Individual Names on File
Last Sale$184,000 (Jan 2019)
Tax Bill$4,605 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Aug 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN26-26-30-0601-0001-0600

Property Details

APN / Parcel Number

Primary APN26-26-30-0601-0001-0600
Alternative APNs
  • 263026060100010600
  • 87948

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,252 sqft Living Area
Gross Area1,686 sqft
1st Floor Area1,252 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,011 sqft (0.138 acres)
Lot Dimensions120 ft deep x 50 ft wide
Garage TypeAttached
Garage Area399 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area35 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3348 KELSEY LN
CitySAINT CLOUD
StateFL
Zip34772-7033
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCROSS CREEK ESTATES PHASES 2 & 3 PB 11 PG 129-131 PHASE 2 LOT 60
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionCROSS CREEK ESTATES PHS 2 AND 3
Legal Phase2
Legal Tract601
Legal Block600
Legal Lot Number60
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2025
Census Tract43304

Owner

Source: Osceola County records · APN 26-26-30-0601-0001-0600

Assessment roll updated November 26, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3348 KELSEY LN, SAINT CLOUD, FL 34772-7033
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2026Warranty Deed, Transfer · FHA Mortgage
NETX MORTGAGE LLC
Aug 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
May 09, 2024Intrafamily Transfer, Transfer · Line of Credit
UNITED WHOLESALE MORTGAGE
Jan 29, 2019Warranty Deed, Transfer · Conventional with PMI
MORTGAGE FIRM

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 29, 2019 · Amount on Record
Deed SaleJan 29, 2019 · Amount on Record
Prior SaleMar 18, 2005 · Amount on Record
Deed Document Number201911754
Deed Book / Page5469 / 1097
Last Transfer DateApr 17, 2024
Transfer Doc0065972651
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 21, 2026
Property Address3348 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number0000095104
Book / Page7006 / 2985
Instrument DateJul 17, 2026
Instrument202695104
Transaction TypeTransfer
Record UpdatedJul 30, 2026
Title CompanySMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$209,625.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3348 KELSEY LN, SAINT CLOUD, FL 34772-7033

Mortgage

Document Number0000095105,
DateJul 21, 2026
Instrument202695105
Lender
NameNETX MORTGAGE LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate6.48%
Max Rate-1%

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3348 KELSEY LN, SAINT CLOUD, FL 34772-7033
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4685 D ST, SAINT CLOUD, FL 34772-7521

Mortgage

Document Number0060162892
DateAug 05, 2021
Book Page6016/2892
Instrument2021121401
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2051

May 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMay 09, 2024
Property Address3348 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number0065972651
Book / Page6597 / 2651
Map ReferenceMB 11 PG 129-131
Instrument DateApr 17, 2024
Instrument2024061542
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3348 KELSEY LN, SAINT CLOUD, FL 34772-7033

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3348 KELSEY LN, SAINT CLOUD, FL 34772-7033

Mortgage

Document Number2024061543
DateMay 09, 2024
Instrument2024061543
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 01, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 29, 2019
Property Address3348 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number0054691097
Book / Page005469 / 001097
Instrument DateJan 29, 2019
Instrument11754
Transaction TypeTransfer
Record UpdatedFeb 12, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,288.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3348 KELSEY LN ST CLOUD FL 347727033, ST CLOUD, FL 34772-7033

Mortgage

Document Number54691098
DateJan 29, 2019
Book Page005469/001098
Instrument11755
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJan 28, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,605.00 (+0.35%)$257,100 (+0.59%) Land $65,000 Building $192,100$257,100 (+0.59%) Land $65,000 Building $192,100
2024$4,589.00 (-0.39%)
2023$4,607.00 (+120.64%)$255,600 (+61.75%) Land $60,000 Building $195,600$255,600 (+32.3%) Land $60,000 Building $195,600
2022$2,088.00 Homeowner's exemption$158,020$193,200 Land $55,000 Building $138,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskLow
above 34% of the US · above 9% of Florida
Wildfire LikelihoodAbout 1 in 2,703 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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