3354 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3354 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	0.137 acres (6,011 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Apr 2017)
Tax Bill	$2,086 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`87951`

Property Details

APN / Parcel Number

Primary APN	`87951`
Alternative APN	`262630060100010630`

Interior

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

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
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	231 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	126 sqft
Patio Area	360 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87951
Street Address	3354 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 63
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	63
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 December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3354 KELSEY LN, SAINT CLOUD, FL 34772-7033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 5, 2017	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jan 17, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2017 · Amount on Record
Deed Sale	Apr 5, 2017 · Amount on Record
Prior Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	0051272141
Deed Book / Page	5127 / 2141
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3354 KELSEY LN, SAINT CLOUD, FL 34772-7033
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3354 KELSEY LN, SAINT CLOUD, FL 34772-7033

Mortgage

Document Number	0060232547
Date	Aug 17, 2021
Book Page	6023/2547
Instrument	2021127067

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 5, 2017
Property Address	3354 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0051272141
Book / Page	5127 / 2141
Map Reference	MB11 PG129-131
Instrument Date	Apr 5, 2017
Instrument	2017051558
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAKE BALDWIN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3354 KELSEY LN, SAINT CLOUD, FL 34772-7033

Mortgage

Document Number	0051272142
Date	Apr 5, 2017
Instrument	5127/2142

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 17, 2017
Property Address	3354 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0050861392
Book / Page	005086 / 001392
Instrument Date	Jan 3, 2017
Instrument	8735
Transaction Type	Foreclosure
Record Updated	Feb 10, 2017

Transaction

Amount	Amount Recorded
Tax	$724.50
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	3354 KELSERY LN ST CLOUD FL 34772, ST CLOUD, FL 34772

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	$2,086.00 (+6.97%) Homeowner's exemption	$159,449 (+5.99%)	$246,200 (+0.65%) Land $65,000 Building $181,200
2023	$1,950.00 (+4.39%) Homeowner's exemption	$150,443 (+3.2%)	$244,600 (+31.72%) Land $60,000 Building $184,600
2022	$1,868.00 Homeowner's exemption	$145,782	$185,700 Land $55,000 Building $130,700

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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