3349 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3349 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	0.137 acres (6,011 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jan 2022)
Tax Bill	$3,595 (2025)
Deeds & Mortgages	Jan 2022 Transfer Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87967`

Property Details

APN / Parcel Number

Primary APN	`87967`
Alternative APN	`262630060100010790`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,687 sqft Heated Area
Gross Area	2,103 sqft
1st Floor Area	1,687 sqft
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	6,011 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Patio Area	144 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87967
Street Address	3349 KELSEY LN
City	SAINT CLOUD
State	FL
Zip	34772-7035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	CROSS CREEK ESTATES PHASES 2 & 3 PB 11 PG 129-131 PHASE 2 LOT 79
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES
Legal Phase	2
Legal Tract	601
Legal Block	1
Legal Lot Number	79
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43304

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	3349 KELSEY LN, SAINT CLOUD, FL 34772-7035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Affidavit of Death of Joint Tenant, Transfer PUBLIC TITLE SERVICES LLC
Jan 5, 2022	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 5, 2022 · Amount on Record
Deed Sale	Jan 5, 2022 · Amount on Record
Prior Sale	Jan 5, 2022
Deed Document Number	2022002792
Deed Book / Page	6123 / 626
Record Updated	Jun 8, 2026

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	OSCEOLA FL
Recording Date	Jan 5, 2022
Property Address	3349 KELSEY LN, SAINT CLOUD, FL 34772-7035
Document Number	0061230620
Book / Page	6123 / 620
Map Reference	MB 11 PG 129-131
Instrument Date	Oct 21, 2021
Instrument	2022002788
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 5, 2022
Property Address	3349 KELSEY LN, SAINT CLOUD, FL 34772-7035
Document Number	0061230626
Book / Page	6123 / 626
Map Reference	MB 11 PG 129-131
Instrument Date	Oct 21, 2021
Instrument	2022002792
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24238 CRABTREE CT, ALDIE, VA 20105-5552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3349 KELSEY LN, SAINT CLOUD, FL 34772-7035

Mortgage

Document Number	0006123628
Date	Jan 5, 2022
Instrument	6123/628

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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	$3,595.00 (+6.27%) Homeowner's exemption	$243,768 (+5.99%)	$299,300 (+0.27%) Land $65,000 Building $234,300
2023	$3,383.00 (+3.61%) Homeowner's exemption	$229,999 (+3%)	$298,500 (+33.68%) Land $60,000 Building $238,500
2022	$3,265.00 Homeowner's exemption	$223,300 Land $55,000 Building $168,300	$223,300 Land $55,000 Building $168,300

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 500 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	0.04% 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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