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4523 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4523 Calumet Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,723 sqft · built 2019
Lot Size0.189 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$257,400 (Aug 2019)
Tax Bill$5,885 (2025)
Deeds & MortgagesAug 2019 Sale & Mortgage
May 2019 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN192631016100012740

Property Details

APN / Parcel Number

Primary APN192631016100012740

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,723 sqft Heated Area
Gross Area2,902 sqft
1st Floor Area1,723 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.189 acres)
Garage TypeFinished
Garage Area440 sqft
PorchFinished/Screened Porch
Porch Area235 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4523 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 274
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number274
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1006
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012740

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address4523 CALUMET DR, SAINT CLOUD, FL 34772-8987
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 13, 2019Special Warranty Deed, Transfer · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY
Mar 12, 2019Loan Modification, Mortgage · Line of Credit
FLAGSTAR BK
Mar 15, 2019Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 13, 2019 · Amount on Record
Deed SaleAug 13, 2019 · Amount on Record
Deed Document Number2019104359
Deed Book / Page5572 / 2249
Record UpdatedJun 08, 2026

August 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 13, 2019
Property Address4523 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number0055722249
Book / Page5572 / 2249
Map ReferenceMB 26 PG 79-82
Instrument DateAug 09, 2019
Instrument2019104359
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyINNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,801.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address4523 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number0055722250
DateAug 13, 2019
Instrument5572/2250
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address4523 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number0055190560
Book / Page005519 / 000560
Instrument DateMay 02, 2019
Instrument57689
Transaction TypeTransfer
Record UpdatedMay 16, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$13,055.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058
InvestorPossibly a Property Investor

October 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateOct 30, 2019
Property Address4523 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number0056142413
Book / Page005614 / 002413
Instrument DateMay 02, 2019
Instrument140803
Transaction TypeTransfer
Record UpdatedNov 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

March 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4523 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number0054921433
Instrument DateMar 12, 2019
Transaction TypeMortgage
Record UpdatedMar 27, 2019
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE LAKELAND FL 338034053, LAKELAND, FL 33803-4053

Mortgage

Document Number0054921433
DateMar 15, 2019
Book Page005492/001433
Instrument33715
Lender
NameFLAGSTAR BK
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 15, 2019
Property Address4523 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number0054921431
Book / Page005492 / 001431
Instrument DateMar 12, 2019
Instrument33714
Transaction TypeTransfer
Record UpdatedMar 27, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
Tax$630.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$5,885.00 (+8.42%) Homeowner's exemption$255,064 (+5.99%)$337,300 (-0.85%) Land $70,000 Building $267,300
2023$5,428.00 (+2.32%) Homeowner's exemption$240,657 (+3%)$340,200 (+16.03%) Land $60,000 Building $280,200
2022$5,305.00 Homeowner's exemption$233,648$293,200 Land $55,000 Building $238,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

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; lenders make the official flood determination.

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