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1441 Calm Waters Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1441 Calm Waters Ct, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 4,456 sqft · built 2013
Lot Size0.225 acres (9,801 sqft)
OwnerIndividual Name on Record
Last Sale$845,000 (Sep 2024)
Tax Bill$9,759 (2025)
Deeds & MortgagesAug 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN157669

Property Details

APN / Parcel Number

Primary APN157669
Alternative APN
  • 172531316400010940

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area4,456 sqft Heated Area
Gross Area5,783 sqft
1st Floor Area2,011 sqft
Upper Floors Area2,445 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialTile
Lot Area9,801 sqft (0.225 acres)
Lot Dimensions125 ft deep x 78.5 ft wide
Garage TypeFinished
Garage Area746 sqft
Parking Spaces3 Parking Spaces
PorchFinished/Screened Porch
Porch Area581 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number157669
Street Address1441 CALM WATERS CT
CitySAINT CLOUD
StateFL
Zip34771-8873
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionEAST LAKE PARK PH 3-5 PB 20 PG 64-68 LOT 94
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionEAST LK PK PH 3-5
Legal Phase3-5
Legal Tract3164
Legal Block1
Legal Lot Number94
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1031
Census Tract43600

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address1441 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 3, 2024 · Amount on Record
Deed SaleSep 3, 2024 · Amount on Record
Prior SaleJan 15, 2014 · Amount on Record
Deed Document Number2024113119
Deed Book / Page6658 / 1769
Record UpdatedJun 8, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1441 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Transaction TypeMortgage
Record UpdatedSep 23, 2022
Title CompanyCHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address1441 CALM WATERS CT, SAINT CLOUD, FL 34771-8873

Mortgage

Document Number0062771267
DateAug 30, 2022
Book Page6277/1267
Instrument2022132366
Lender
NameE MORTGAGE CAPITAL INC
TypeMortgage Company
AddressIRVINE, CA 92614
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,759.00 (+1,471.5%)$653,000 (+56.48%) Land $95,000 Building $558,000$653,000 (+1.73%) Land $95,000 Building $558,000
2023$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$417,306 (+3%)$641,900 (+14.44%) Land $95,000 Building $546,900
2022$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$405,152$560,900 Land $68,000 Building $492,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 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 RiskModerate
above 63% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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