4543 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4543 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,723 sqft · built 2019
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Oct 2022)
Tax Bill	$6,047 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0161-0001-2790`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0161-0001-2790`
Alternative APN	`263119016100012790`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	1,723 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished/Open Porch
Porch Area	235 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4543 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 279
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4
Legal Phase	4
Legal Lot Number	279
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 June 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Sep 30, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
May 17, 2019	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS
May 3, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY
Oct 2, 2018	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	May 17, 2019 · Amount on Record
Deed Document Number	2022157076
Deed Book / Page	6304 / 2929
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2026
Property Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0000068168
Book / Page	6976 / 1135
Instrument Date	May 20, 2026
Instrument	202668168
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET MORTGAGE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number	0000068168,
Date	May 26, 2026
Book Page	6976/1135
Instrument	202668168

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 25, 2022
Property Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0063042929
Book / Page	6304 / 2929
Map Reference	MB 26 PG 79-82
Instrument Date	Oct 21, 2022
Instrument	2022157076
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	ELEVATED TITLE LLC, ELEVATED TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5309 SUMERSET ST, 5309, ORLANDO, FL 32810-5411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number	0063042931
Date	Oct 25, 2022
Instrument	6304/2931

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987

Mortgage

Document Number	0060551346
Date	Sep 30, 2021
Book Page	6055/1346
Instrument	2021152095

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jun 1, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2019
Property Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0055260023
Book / Page	005526 / 000023
Instrument Date	May 9, 2019
Instrument	63885
Transaction Type	Transfer
Record Updated	Jun 5, 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	$1,792.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4543 CALUMET DR ST CLOUD FL 347728987, ST CLOUD, FL 34772-8987

Mortgage

Document Number	55260024
Date	May 17, 2019
Book Page	005526/000024
Instrument	63886

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2019
Property Address	4543 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	4543 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

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2018
Property Address	4543 CALUMET DR, SAINT CLOUD, FL 34772-8987
Document Number	0054102231
Book / Page	005410 / 002231
Instrument Date	Sep 27, 2018
Instrument	147736
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$1,260.00
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

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$6,047.00 (+8.33%) Homeowner's exemption	$264,139 (+5.99%)	$318,700 (-0.62%) Land $70,000 Building $248,700
2023	$5,582.00 (+11.26%) Homeowner's exemption	$249,219 (+14.49%)	$320,700 (+15.82%) Land $60,000 Building $260,700
2022	$5,017.00 Homeowner's exemption	$217,672	$276,900 Land $55,000 Building $221,900

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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