3351 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3351 Kelsey Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 2000
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on File
Last Sale	$306,000 (Feb 2025)
Tax Bill	$2,195 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0601-0001-0800`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0601-0001-0800`
Alternative APNs	`263026060100010800` `87968`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,078 sqft Living Area
Gross Area	1,435 sqft
1st Floor Area	1,078 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	126 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3351 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 PGS 129-131 PHASE 2 LOT 80
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES PHS 2 AND 3
Legal Phase	2
Legal Tract	601
Legal Block	800
Legal Lot Number	80
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43304

Owner

3351 Kelsey Ln is owned and occupied by two individuals who bought it in February 2025.

Source: Osceola County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3351 KELSEY LN, SAINT CLOUD, FL 34772-7035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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 6, 2025	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 27, 2018	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2025 · Amount on File
Deed Sale	Feb 6, 2025 · Amount on File
Prior Sale	Apr 27, 2018 · Amount on File
Deed Document Number	202515501
Deed Book / Page	6736 / 898
Prior Transfer Date	Aug 8, 2013
Prior Transfer Doc	0044851859
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 6, 2025
Property Address	3351 KELSEY LN, SAINT CLOUD, FL 34772-7035
Document Number	0067360898
Book / Page	6736 / 898
Map Reference	MB 11 PG 129
Instrument Date	Feb 1, 2025
Instrument	2025015501
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE OF FLORI

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,142.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6005 STATE BRIDGE RD # RD304, RD304, JOHNS CREEK, GA 30097-6455

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3351 KELSEY LN, SAINT CLOUD, FL 34772-7035

Mortgage

Document Number	2025015502
Date	Feb 6, 2025
Instrument	2025015502

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2018
Property Address	3351 KELSEY LN, SAINT CLOUD, FL 34772-7035
Document Number	0053241832
Book / Page	5324 / 1832
Map Reference	MB11 PG129-131
Instrument Date	Apr 27, 2018
Instrument	2018067620
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3168 BAYVIEW LN, 3168, SAINT CLOUD, FL 34772-8508

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3351 KELSEY LN, SAINT CLOUD, FL 34772-7035

Mortgage

Document Number	2018067621
Date	Apr 27, 2018
Instrument	2018067621

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3351 Kelsey Ln was $2,195, up 3.8% from the year before.

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	$2,195.00 (+3.78%)	$165,506	$245,600 Land $65,000 Building $180,600
2024	$2,115.00 (+3.02%)
2023	$2,053.00 (+4.05%) Homeowner's exemption	$156,158 (+3%)	$244,000 (+31.61%) Land $60,000 Building $184,000
2022	$1,973.00 Homeowner's exemption	$151,610	$185,400 Land $55,000 Building $130,400

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

FEMA maps place 3351 Kelsey Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 3351 Kelsey Ln is low, with a 0.04% 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	0.04% 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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