4514 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4514 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,723 sqft · built 2018
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$236,400 (Jan 2019)
Tax Bill	$5,673 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012710`

Property Details

APN / Parcel Number

Primary APN	`192631016100012710`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Heated Area
Gross Area	2,740 sqft
1st Floor Area	1,723 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	235 sqft
Patio Area	874 sqft
Fence	Fence
Shed	1 Shed
Shed Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4514 CALUMET DR
City	SAINT CLOUD
State	FL
Zip	34772-8986
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 271
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase	4
Legal Tract	161
Legal Lot Number	271
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Mailing Address	4514 CALUMET DR, SAINT CLOUD, FL 34772-8986
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Nov 5, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 22, 2019	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 22, 2019 · Amount on Record
Deed Sale	Jan 22, 2019 · Amount on Record
Deed Document Number	2019008343
Deed Book / Page	5465 / 2612
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4514 CALUMET DR, SAINT CLOUD, FL 34772-8986
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4514 CALUMET DR, SAINT CLOUD, FL 34772-8986

Mortgage

Document Number	0063082904
Date	Nov 1, 2022
Book Page	6308/2904
Instrument	2022160544

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4514 CALUMET DR, SAINT CLOUD, FL 34772-8986
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4514 CALUMET DR, SAINT CLOUD, FL 34772-8986

Mortgage

Document Number	0060810217
Date	Nov 5, 2021
Book Page	6081/217
Instrument	2021172710

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	KISSIMMEE, FL 34743

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Oct 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4514 CALUMET DR, SAINT CLOUD, FL 34772-8986
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057312372
Date	Jun 3, 2020
Book Page	5731/2372
Instrument	2020071636

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Mar 1, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 22, 2019
Property Address	4514 CALUMET DR, SAINT CLOUD, FL 34772-8986
Document Number	0054652612
Book / Page	005465 / 002612
Instrument Date	Jan 15, 2019
Instrument	8343
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,654.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4514 CALUMET DR ST CLOUD FL 347728986, ST CLOUD, FL 34772-8986

Mortgage

Document Number	54652613
Date	Jan 22, 2019
Book Page	005465/002613
Instrument	8344

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,673.00 (+12.74%) Homeowner's exemption	$243,254 (+11.23%)	$325,300 (+3.01%) Land $70,000 Building $255,300
2023	$5,032.00 (+2.26%) Homeowner's exemption	$218,699 (+3%)	$315,800 (+15.89%) Land $60,000 Building $255,800
2022	$4,921.00 Homeowner's exemption	$212,330	$272,500 Land $55,000 Building $217,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 66% of the US · above 43% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Xfinity.

Nearby Properties on Calumet Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures