4535 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4535 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,778 sqft · built 2019
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Jun 2019)
Tax Bill	$5,487 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012770`

Property Details

APN / Parcel Number

Primary APN	`192631016100012770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,778 sqft Heated Area
Gross Area	2,394 sqft
1st Floor Area	1,556 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	399 sqft
Porch	Open Porch
Porch Area	216 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4535 CALUMET DR
City	SAINT CLOUD
State	FL
Zip	34772-8987
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 277
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	277
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	43304

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
Co-owner	Co-owner on Record
Mailing Address	4535 CALUMET DR, SAINT CLOUD, FL 34772-8987
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Jan 3, 2020	Loan Modification, Mortgage HOME SOLUTION LENDERS
Jun 28, 2019	Grant Deed, Construction Loan · VA Mortgage HOME SOLUTION LENDERS
May 3, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	2019084294
Deed Book / Page	5549 / 1438
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4535 CALUMET DR, SAINT CLOUD, FL 34772-8987
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4535 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number	0059160161
Date	Mar 19, 2021
Book Page	5916/161
Instrument	2021041187

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4535 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0056570134
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4535 CALUMET DR ST CLOUD FL 347728987, ST CLOUD, FL 34772-8987

Mortgage

Document Number	0056570134
Date	Jan 13, 2020
Book Page	005657/000134
Instrument	6022

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

Interest

Rate Type	Fixed Rate
Rate	4.12%

June 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 28, 2019
Property Address	4535 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0055491438
Book / Page	005549 / 001438
Instrument Date	Jun 21, 2019
Instrument	84294
Transaction Type	Construction Loan
Record Updated	Jan 30, 2020
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4535 CALUMET DR ST CLOUD FL 347728987, ST CLOUD, FL 34772-8987

Mortgage

Document Number	55491439
Date	Jun 28, 2019
Book Page	005549/001439
Instrument	84295

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2019
Property Address	4535 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0055190560
Book / Page	005519 / 000560
Instrument Date	May 2, 2019
Instrument	57689
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$13,055.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058
Investor	Possibly a Property Investor

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 30, 2019
Property Address	4535 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0056142413
Book / Page	005614 / 002413
Instrument Date	May 2, 2019
Instrument	140803
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

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	$5,487.00 (+8.76%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$237,814 (+5.99%)	$323,200 (-0.71%) Land $70,000 Building $253,200
2023	$5,045.00 (+2.33%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$224,381 (+3%)	$325,500 (+23.39%) Land $60,000 Building $265,500
2022	$4,930.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$217,846	$263,800 Land $55,000 Building $208,800

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 62% of the US · lower than 62% 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 381 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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