3352 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3352 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	0.138 acres (6,011 sqft)
Owner	Company Name on Record
Last Sale	$360,000 (Feb 2022)
Tax Bill	$5,359 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0601-0001-0620`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0601-0001-0620`
Alternative APNs	`263026060100010620` `87950`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,687 sqft Living Area
Gross Area	2,103 sqft
1st Floor Area	1,687 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
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	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	36 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3352 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 PHASES 2 & 3 PB 11 PG 129-131 PHASE 2 LOT 62
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	620
Legal Lot Number	62
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 October 13, 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	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · Commercial Mortgage GOLDMAN SACHS MORTGAGE COMPANY
Oct 13, 2023	Intrafamily Transfer, Transfer SELENE TITLE LLC
Feb 24, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Sep 2, 2021	Warranty Deed, Transfer · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2022 · Amount on Record
Deed Sale	Feb 24, 2022 · Amount on Record
Prior Sale	Sep 2, 2021 · Amount on Record
Deed Document Number	202230524
Deed Book / Page	6157 / 2332
Last Transfer Date	Oct 4, 2023
Transfer Doc	0064891598
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3352 KELSEY LN, SAINT CLOUD, FL 34772-7033
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SELENE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0065040496
Date	Nov 13, 2023
Book Page	6504/496
Instrument	2023149162

Lender

Name	GOLDMAN SACHS MORTGAGE COMPANY
Type	Mortgage Company
Address	NEW YORK, NY 10282

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 13, 2023
Property Address	3352 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0064891598
Book / Page	6489 / 1598
Map Reference	MB 11 PG 129-131
Instrument Date	Oct 4, 2023
Instrument	2023135325
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 24, 2022
Property Address	3352 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0061572332
Book / Page	6157 / 2332
Map Reference	MB 11 PG 129-131
Instrument Date	Feb 18, 2022
Instrument	2022030524
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4246 SAFARI RUN, TALLAHASSEE, FL 32309-5835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 2, 2021
Property Address	3352 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0060360273
Book / Page	6036 / 273
Map Reference	MB 11 PG 129-131
Instrument Date	Aug 26, 2021
Instrument	2021137049
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1789 BAYVIEW DR, NEW SMYRNA BEACH, FL 32168-7813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6510 COTTAGE LN, SAINT CLOUD, FL 34771-8805

Mortgage

Document Number	0006036277
Date	Sep 2, 2021
Instrument	6036/277

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

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	$5,359.00 (+0.41%)	$299,200 (+0.27%) Land $65,000 Building $234,200	$299,200 (+0.27%) Land $65,000 Building $234,200
2024	$5,337.00 (-0.76%)
2023	$5,378.00 (+33.58%)	$298,400 (+33.69%) Land $60,000 Building $238,400	$298,400 (+33.69%) Land $60,000 Building $238,400
2022	$4,026.00	$223,200 Land $55,000 Building $168,200	$223,200 Land $55,000 Building $168,200

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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