1401 Calm Waters Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1401 Calm Waters Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,456 sqft · built 2014
Lot Size	0.256 acres (11,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,664 (Apr 2017)
Tax Bill	$7,215 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-3164-0001-0960`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3164-0001-0960`
Alternative APNs	`253117316400010960` `157671`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,456 sqft Living Area
Gross Area	6,094 sqft
1st Floor Area	2,011 sqft
Upper Floors Area	2,445 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	11,151 sqft (0.256 acres)
Garage Type	Attached
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	25 sqft
Porch	Finished/Open Porch
Porch Area	892 sqft
Deck Area	722 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1401 CALM WATERS CT
City	SAINT CLOUD
State	FL
Zip	34771-8873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	EAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 96
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	EAST LAKE PARK PHS 3-5
Legal Phase	3-5
Legal Tract	3164
Legal Block	960
Legal Lot Number	96
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1031
Census Tract	43600

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1401 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan STEARNS BANK NA
Apr 17, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2017 · Amount on Record
Deed Sale	Apr 17, 2017 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	201756690
Deed Book / Page	5133 / 340
Prior Transfer Date	Mar 17, 2017
Prior Transfer Doc	0051330340
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1401 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 CALM WATERS CT, SAINT CLOUD, FL 34771-8873

Mortgage

Document Number	0068732318
Date	Oct 31, 2025
Book Page	6873/2318
Instrument	2025135232

Lender

Name	STEARNS BANK NA
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	280 Months
Due	Jan 31, 2049

Interest

Rate Type	Adjustable Rate

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 17, 2017
Property Address	1401 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Document Number	0051330340
Book / Page	5133 / 0340
Map Reference	MB20 PG64-68
Instrument Date	Mar 17, 2017
Instrument	2017056690
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Amount	Amount Recorded
Tax	$1,138.90
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1401 CALM WATERS CT, SAINT CLOUD, FL 34771-8873

Mortgage

Document Number	0051330342
Date	Apr 17, 2017
Instrument	5133/0342

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,215.00 (+4.28%) Homeowner's exemption	$510,237 (+5.99%)	$703,400 (+1.84%) Land $95,000 Building $608,400
2024	$6,919.00 (+2.01%)
2023	$6,783.00 (+3.6%) Homeowner's exemption	$481,416 (+3%)	$690,700 (+13.14%) Land $95,000 Building $595,700
2022	$6,547.00 Homeowner's exemption	$467,395	$610,500 Land $68,000 Building $542,500

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Xfinity.

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