1501 Calm Waters Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1501 Calm Waters Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,003 sqft · built 2012
Lot Size	0.308 acres (13,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$453,000 (Oct 2017)
Tax Bill	$6,033 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`157666`

Property Details

APN / Parcel Number

Primary APN	`157666`
Alternative APN	`172531316400010910`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,003 sqft Heated Area
Gross Area	4,941 sqft
1st Floor Area	2,172 sqft
Upper Floors Area	1,831 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	13,460 sqft (0.308 acres)
Garage Type	Finished
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	30 sqft
Porch	Open Porch
Porch Area	488 sqft
Deck Area	500 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	157666
Street Address	1501 CALM WATERS CT
City	SAINT CLOUD
State	FL
Zip	34771-8872
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 91
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	91
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	2 Individual Names on Record
Mailing Address	1501 CALM WATERS CT, SAINT CLOUD, FL 34771-8872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jun 21, 2019	Deed of Trust, Mortgage NAVY FCU
Oct 3, 2017	Warranty Deed, Transfer NAVY FCU
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANCFIRST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2017 · Amount on Record
Deed Sale	Oct 3, 2017 · Amount on Record
Prior Sale	Sep 18, 2013 · Amount on Record
Deed Document Number	2017141059
Deed Book / Page	5217 / 1223
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1501 CALM WATERS CT, SAINT CLOUD, FL 34771-8872
Transaction Type	Mortgage
Record Updated	Sep 24, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 CALM WATERS CT, SAINT CLOUD, FL 34771-8872

Mortgage

Document Number	0060390116
Date	Sep 8, 2021
Book Page	6039/116
Instrument	2021139270

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1501 CALM WATERS CT, SAINT CLOUD, FL 34771-8872
Document Number	0055471873
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1501 CALM WATERS CT ST CLOUD FL 347718872, ST CLOUD, FL 34771-8872

Mortgage

Document Number	0055471873
Date	Jun 26, 2019
Book Page	005547/001873
Instrument	82415

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2034

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 3, 2017
Property Address	1501 CALM WATERS CT, SAINT CLOUD, FL 34771-8872
Document Number	0052171223
Book / Page	005217 / 001223
Instrument Date	Sep 28, 2017
Instrument	141059
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,171.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1501 CALM WATERS CT ST CLOUD FL 347718872, ST CLOUD, FL 34771-8872

Mortgage

Document Number	52171225
Date	Oct 3, 2017
Book Page	005217/001225
Instrument	141060

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1501 CALM WATERS CT, SAINT CLOUD, FL 34771-8872
Document Number	0051712953
Book / Page	005171 / 002953
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1501 CALM WATERS CT ST CLOUD FL 347718872, ST CLOUD, FL 34771-8872

Mortgage

Document Number	0051712953
Date	Jun 29, 2017
Book Page	005171/002953
Instrument	95199

Lender

Name	BANCFIRST
Type	Bank
Address	OKLAHOMA CITY, OK 73126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 28, 2032

Interest

Rate Type	Adjustable Rate

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	$6,033.00 (+6.68%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$429,892 (+5.99%)	$607,100 (+1.59%) Land $95,000 Building $512,100
2023	$5,655.00 (+3.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$405,609 (+3%)	$597,600 (+13.81%) Land $95,000 Building $502,600
2022	$5,449.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$393,796	$525,100 Land $68,000 Building $457,100

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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