1481 Calm Waters Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1481 Calm Waters Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,456 sqft · built 2013
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on File
Last Sale	$386,300 (Jul 2013)
Tax Bill	$6,274 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-3164-0001-0920`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3164-0001-0920`
Alternative APNs	`253117316400010920` `157667`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,456 sqft Living Area
Gross Area	5,783 sqft
1st Floor Area	2,011 sqft
Upper Floors Area	2,445 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	125 ft deep x 78.5 ft wide
Garage Type	Attached
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces
Porch	Florida Room
Porch Area	581 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1481 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 92
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	920
Legal Lot Number	92
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1031
Census Tract	43600

Owner

1481 Calm Waters Ct is owned and occupied by two individuals who bought it in July 2013.

Source: Osceola County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1481 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2019	Deed of Trust, Mortgage · Line of Credit AMERICAN AIRLINES FCU
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN AIRLINES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2013 · Amount on File
Deed Sale	Jul 9, 2013 · Amount on File
Prior Sale	Aug 30, 2011 · Amount on File
Deed Document Number	2013103266
Deed Book / Page	4468 / 201
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1481 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	0055991466
Date	Oct 2, 2019
Book Page	5599/1466
Instrument	2019127457

Lender

Name	AMERICAN AIRLINES FCU
Type	Credit Union
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1481 CALM WATERS CT, SAINT CLOUD, FL 34771-8873
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 CALM WATERS CT, SAINT CLOUD, FL 34771-8873

Mortgage

Document Number	0061170296
Date	Dec 28, 2021
Book Page	6117/296
Instrument	2021200056

Lender

Name	AMERICAN AIRLINES FCU
Type	Credit Union
Address	DALLAS, TX 75261

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1481 Calm Waters Ct was $6,274 with a homeowner's exemption.

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	$6,274.00 Homeowner's exemption	$442,289	$653,000 Land $95,000 Building $558,000
2023	$5,888.00 (+3.72%) Homeowner's exemption	$417,306 (+3%)	$641,900 (+14.44%) Land $95,000 Building $546,900
2022	$5,677.00 Homeowner's exemption	$405,152	$560,900 Land $68,000 Building $492,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1481 Calm Waters Ct in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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 File 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

Wildfire risk around 1481 Calm Waters Ct is moderate, ranking above 63% of the US, with a 0.2% annual chance of 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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