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Overview

4 bd2 ba1,687 sqft2 car garageSingle Family
TypeSingle Family
HOA$60/mo
Built2000
Lot7,623 sqft
Living area1,687 sqft
Price / sqft$205
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

High CeilingsPool

3330 Kelsey Ln is a 2000-built home in Cross Creek Estates, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,687 square feet of living space. Listed at $345,000 (about $205/sqft), 6 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $60 monthly.

From the listing

Virtually Staged. Short Sale. Welcome to this inviting home in St. Cloud, featuring 4 bedrooms, 2 full bathrooms, and 1,687 square feet of living space. Designed for comfort and functionality, this property offers a spacious kitchen with a center island, perfect for meal preparation, and a dedicated dining area ideal for everyday living and entertaining. Interior Photos Virtually Staged. Step outside to enjoy the fenced-in backyard, offering privacy and space for outdoor activities or relaxation. Major updates include a roof replaced in 2017 and an A/C system installed in 2021. Conveniently located near major roadways, shopping centers, and entertainment, this home provides easy access to everyday conveniences and local attractions. Don't miss this wonderful opportunity to own a home in a convenient St. Cloud location! Buyer is responsible for verifying all property measurements, HOA information, and any other details deemed important.

The essentials

Built
2000
Price / sqft
$205
On market
6 days
Annual tax
$4,525
HOA
$60/mo
Flood zone
X · Low risk
Lot
7,623 sqft
Type
Single Family Residence

At a glance

Single family
Built 2000
Community pool
Shared amenity
2 car garage
7,623 sqft lot
Lot size
1,687 sqft
Living area

Payment

Est. monthly payment
$2,409/mo
Down payment (20%)
$69,000
Property taxes
$377/mo
HOA
$60/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2000
Lot
7,623 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
6
High Ceilings
Pool
Elementary
Canoe Creek K-8
Middle
St. Cloud Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,525
Parcel #
26-26-30-0577-0001-0510

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Cross Creek Estates
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,623 sqft
HOA
$60/mo
Marjorie Webb

Price history

Date
Event
Price
10/13/2026
Listed for sale
Source: Stellar MLS #O6450362
$345,000
$205/sqft

Neighborhood

3330 Kelsey Ln
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $345,000
$342,500 – $345,000
99.5% – 100% of listTops out right at the list price
80% of listList price
245 of the last 395 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 6.

Sample: 395 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,409/mo
Principal & interest$1,799
Property taxes$377
Insurance$173
HOA$60
Down payment20% · $69,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$345,000

$205 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,687 sq ft

Time on market

6 days

Year built

2000

Monthly payment

About $2,409/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,525 annual tax bill, insurance, and the $60/mo HOA fee.

HOA fee

$60/mo

Managed by Marjorie Webb.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byEMPIRE NETWORK REALTYListing agent: Elise Garcia CintronListing data from Stellar MLS, MLS# O6450362.

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