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4515 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4515 Calumet Dr, Saint Cloud, FL 34772 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,060 sqft · built 2018
Lot Size0.21 acres (9,147 sqft)
Owner2 Individual Names on File
Last Sale$256,200 (Nov 2018)
Tax Bill$5,902 (2025)
Deeds & MortgagesMay 2026 Mortgage
Jan 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN19-26-31-0161-0001-2720

Property Details

APN / Parcel Number

Primary APN19-26-31-0161-0001-2720
Alternative APN
  • 263119016100012720

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,060 sqft Living Area
Gross Area2,807 sqft
1st Floor Area2,060 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,147 sqft (0.21 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area307 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4515 CALUMET DR
CitySAINT CLOUD
StateFL
Zip34772-8987
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 272
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4
Legal Phase4
Legal Lot Number272
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1006
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2720

Assessment roll updated November 26, 2025 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address4515 CALUMET DR, SAINT CLOUD, FL 34772-8987
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 11, 2026Deed of Trust, Mortgage · Conventional Mortgage
PRIME TITLE, PRIMERA TITLE
Jan 06, 2022Deed of Trust, Mortgage · FHA Mortgage
HOME POINT FINANCIAL CORPORATION
Dec 17, 2020Deed of Trust, Mortgage · FHA Mortgage
AMERISAVE MORTGAGE CORP
Nov 02, 2018Grant Deed, Transfer · FHA Mortgage
HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 02, 2018 · Amount on Record
Deed SaleNov 02, 2018 · Amount on Record
Deed Document Number2018164004
Deed Book / Page5428 / 1671
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 11, 2026
Property Address4515 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number0000061817
Book / Page6969 / 1647
Instrument DateMay 04, 2026
Instrument202661817
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyPRIME TITLE, PRIMERA TITLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address4515 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number0000061817,
DateMay 11, 2026
Book Page6969/1647
Instrument202661817
Lender
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 08, 2041
Interest
Rate TypeFixed Rate
Rate5.77%
Initial TypeFixed Rate
Max Rate-1%

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4515 CALUMET DR, SAINT CLOUD, FL 34772-8987
Transaction TypeMortgage
Record UpdatedJan 21, 2022
Title CompanyELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address4515 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number0061231126
DateJan 06, 2022
Book Page6123/1126
Instrument2022002907
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressANN ARBOR, MI 48105
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4515 CALUMET DR, SAINT CLOUD, FL 34772-8987
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4515 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number0058531721
DateDec 17, 2020
Book Page5853/1721
Instrument2020171756
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueNov 01, 2050

November 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateNov 02, 2018
Property Address4515 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number0054281671
Book / Page005428 / 001671
Instrument DateOct 30, 2018
Instrument164004
Transaction TypeTransfer
Record UpdatedNov 16, 2018
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,793.40
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4515 CALUMET DR ST CLOUD FL 347728987, ST CLOUD, FL 34772-8987

Mortgage

Document Number54281672
DateNov 02, 2018
Book Page005428/001672
Instrument164005
Lender
NameHOME SOLUTION LENDERS
TypeFunding / Finance Company
AddressBARTOW, FL 33830
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,902.00 (+5.68%) Homeowner's exemption$256,017 (+5.99%)$347,600 (-0.83%) Land $70,000 Building $277,600
2024$5,585.00 (+2.59%)
2023$5,444.00 (+2.33%) Homeowner's exemption$241,556 (+3%)$350,500 (+15.94%) Land $60,000 Building $290,500
2022$5,320.00 Homeowner's exemption$234,521$302,300 Land $55,000 Building $247,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 424 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 381 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000

May also be available at this address: Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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