3360 Kelsey Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3360 Kelsey Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,484 sqft · built 2000
Lot Size	0.142 acres (6,229 sqft)
Owner	Individual Name on Record
Last Sale	$194,000 (Feb 2019)
Tax Bill	$2,534 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87954`

Property Details

APN / Parcel Number

Primary APN	`87954`
Alternative APN	`262630060100010660`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,484 sqft Heated Area
Gross Area	1,852 sqft
1st Floor Area	868 sqft
Upper Floors Area	616 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.142 acres)
Garage Type	Finished
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	116 sqft
Patio Area	300 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87954
Street Address	3360 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 66
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	66
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	3360 KELSEY LN, SAINT CLOUD, FL 34772-7033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP
Feb 25, 2019	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2019 · Amount on Record
Deed Sale	Feb 25, 2019 · Amount on Record
Prior Sale	Nov 12, 2014 · Amount on Record
Deed Document Number	2019023851
Deed Book / Page	5482 / 0150
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3360 KELSEY LN, SAINT CLOUD, FL 34772-7033
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057311333
Date	Jun 3, 2020
Book Page	5731/1333
Instrument	2020071250

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 25, 2019
Property Address	3360 KELSEY LN, SAINT CLOUD, FL 34772-7033
Document Number	0054820150
Book / Page	5482 / 0150
Map Reference	MB 11 PG 129-131
Instrument Date	Feb 22, 2019
Instrument	2019023851
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1406 WOODWELL RD, 1406, SILVER SPRING, MD 20906-2080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3360 KELSEY LN, SAINT CLOUD, FL 34772-7033

Mortgage

Document Number	2019023852
Date	Feb 25, 2019
Instrument	2019023852

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$2,534.00 (+6.69%) Homeowner's exemption	$184,475 (+5.99%)	$271,500 (+0.44%) Land $65,000 Building $206,500
2023	$2,375.00 (+3.89%) Homeowner's exemption	$174,055 (+3%)	$270,300 (+32.56%) Land $60,000 Building $210,300
2022	$2,286.00 Homeowner's exemption	$168,986	$203,900 Land $55,000 Building $148,900

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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