4539 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4539 Calumet Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,339 sqft · built 2018
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Nov 2025)
Tax Bill	$6,649 (2025)
Deeds & Mortgages	Nov 2025 Sale Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0161-0001-2780`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0161-0001-2780`
Alternative APN	`263119016100012780`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,339 sqft Living Area
Gross Area	3,094 sqft
1st Floor Area	2,339 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	177 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4539 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 278
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4
Legal Phase	4
Legal Lot Number	278
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2780

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

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	4539 CALUMET DR, SAINT CLOUD, FL 34772-8987
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
Sep 17, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEE RATE AFFINITY LLC
Mar 01, 2019	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Jul 02, 2018	Warranty Deed, Transfer · Line of Credit FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Sep 17, 2020 · Amount on Record
Deed Document Number	2025144145
Deed Book / Page	6884 / 370
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2025
Property Address	4539 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0068840370
Book / Page	6884 / 370
Map Reference	MB 26 PG 79-82
Instrument Date	Nov 21, 2025
Instrument	2025144145
Transaction Type	Transfer
Record Updated	Dec 04, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1055 N 3300 W, LAYTON, UT 84041-7168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4539 CALUMET DR, SAINT CLOUD, FL 34772-8987

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 17, 2020
Property Address	4539 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0057952533
Book / Page	5795 / 2533
Map Reference	MB 26 PG 79-82
Instrument Date	Sep 14, 2020
Instrument	2020124849
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4539 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number	0057952535
Date	Sep 17, 2020
Instrument	5795/2535

Lender

Name	GUARANTEE RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 01, 2019
Property Address	4539 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0054842585
Book / Page	005484 / 002585
Instrument Date	Feb 26, 2019
Instrument	26655
Transaction Type	Transfer
Record Updated	Mar 13, 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	$2,004.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4539 CALUMET DR ST CLOUD FL 347728987, ST CLOUD, FL 34772-8987

Mortgage

Document Number	54842586
Date	Mar 01, 2019
Book Page	005484/002586
Instrument	26656

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 02, 2018
Property Address	4539 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0053591874
Book / Page	5359 / 1874
Map Reference	MB26 PG79-82
Instrument Date	Jun 28, 2018
Instrument	2018100859
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Mortgage

Document Number	2018100860
Date	Jul 02, 2018
Instrument	2018100860

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,649.00 (+8.06%) Homeowner's exemption	$297,758 (+5.99%)	$381,200 (-1.24%) Land $70,000 Building $311,200
2023	$6,153.00 (+2.38%) Homeowner's exemption	$280,939 (+3%)	$386,000 (+15.95%) Land $60,000 Building $326,000
2022	$6,010.00 Homeowner's exemption	$272,757	$332,900 Land $55,000 Building $277,900

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 59 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 424 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000

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

Mobile Coverage

5G and 4G LTE

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