4538 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4538 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,563 sqft · built 2018
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,900 (Jan 2019)
Tax Bill	$5,228 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012650`

Property Details

APN / Parcel Number

Primary APN	`192631016100012650`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,563 sqft Heated Area
Gross Area	2,038 sqft
1st Floor Area	1,563 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	6,970 sqft (0.16 acres)
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	95 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4538 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 265
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	265
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
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
Mailing Address	4538 CALUMET DR, SAINT CLOUD, FL 34772-8986
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 31, 2019	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS
Jul 25, 2018	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2019 · Amount on Record
Deed Sale	Jan 31, 2019 · Amount on Record
Prior Sale	Jul 25, 2018 · Amount on Record
Deed Document Number	2019012632
Deed Book / Page	5470 / 1466
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4538 CALUMET DR, SAINT CLOUD, FL 34772-8986
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 CALUMET DR, SAINT CLOUD, FL 34772-8986

Mortgage

Document Number	0061161210
Date	Dec 27, 2021
Book Page	6116/1210
Instrument	2021199523

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 31, 2019
Property Address	4538 CALUMET DR, SAINT CLOUD, FL 34772-8986
Document Number	0054701466
Book / Page	005470 / 001466
Instrument Date	Jan 26, 2019
Instrument	12632
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,546.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4538 CALUMET DR ST CLOUD FL 347728986, ST CLOUD, FL 34772-8986

Mortgage

Document Number	54701467
Date	Jan 31, 2019
Book Page	005470/001467
Instrument	12633

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 30, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2018
Property Address	4538 CALUMET DR, SAINT CLOUD, FL 34772-8986
Document Number	0053732337
Book / Page	005373 / 002337
Instrument Date	Jul 23, 2018
Instrument	114176
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	INNOVATIVE TITLE COMPANY 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	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	$5,228.00 (+8.83%) Homeowner's exemption	$218,339 (+5.99%)	$296,000 (-0.2%) Land $70,000 Building $226,000
2023	$4,804.00 (+2.26%) Homeowner's exemption	$206,006 (+3%)	$296,600 (+15.77%) Land $60,000 Building $236,600
2022	$4,698.00 Homeowner's exemption	$200,006	$256,200 Land $55,000 Building $201,200

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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