1461 Calm Waters Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1461 Calm Waters Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,789 sqft · built 2013
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on Record
Last Sale	$309,200 (Nov 2013)
Tax Bill	$4,641 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`157668`

Property Details

APN / Parcel Number

Primary APN	`157668`
Alternative APN	`172531316400010930`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,789 sqft Heated Area
Gross Area	3,731 sqft
1st Floor Area	2,398 sqft
Upper Floors Area	391 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	125 ft deep x 78.5 ft wide
Garage Type	Finished
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	70 sqft
Porch	Open Porch
Porch Area	270 sqft
Deck Area	902 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	157668
Street Address	1461 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 93
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	EAST LK PK PH 3-5
Legal Phase	3-5
Legal Tract	3164
Legal Block	1
Legal Lot Number	93
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 December 11, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1461 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jun 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORPORATIO
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage AUTO CLUB TRUST FSB
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage AUTO CLUB TR FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2013 · Amount on Record
Deed Sale	Nov 26, 2013 · Amount on Record
Prior Sale	Aug 30, 2011 · Amount on Record
Deed Document Number	2013186014
Deed Book / Page	4537 / 2199
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1461 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1461 CALM WATERS CT, SAINT CLOUD, FL 34771-8873

Mortgage

Document Number	0065432701
Date	Feb 2, 2024
Book Page	6543/2701
Instrument	2024014144

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1461 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051621420
Date	Jun 12, 2017
Book Page	5162/1420
Instrument	2017085288

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORPORATIO
Address	CHARLOTTE, NC 28217

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2042

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1461 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1461 CALM WATERS CT, SAINT CLOUD, FL 34771-8873

Mortgage

Document Number	0058542463
Date	Dec 18, 2020
Book Page	5854/2463
Instrument	2020172668

Lender

Name	AUTO CLUB TRUST FSB
Type	Bank
Address	DEARBORN HEIGHTS, MI 48125

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1461 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Document Number	0052371107
Book / Page	005237 / 001107
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1461 CALM WATERS CT ST CLOUD FL 347718873, ST CLOUD, FL 34771-8873

Mortgage

Document Number	0052371107
Date	Nov 13, 2017
Book Page	005237/001107
Instrument	160951

Lender

Name	AUTO CLUB TR FSB
Type	Federal Savings Bank
Address	OMAHA, NE 68114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2032

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,641.00 (+7.03%) Homeowner's exemption	$324,466 (+5.99%)	$486,400 (+1.67%) Land $95,000 Building $391,400
2023	$4,336.00 (+4.01%) Homeowner's exemption	$306,138 (+3%)	$478,400 (+14.59%) Land $95,000 Building $383,400
2022	$4,169.00 Homeowner's exemption	$297,222	$417,500 Land $68,000 Building $349,500

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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