Osceola County property record for 4558 Calumet Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,723 sqft · built 2019 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (Apr 2024) |
| Tax Bill | $7,002 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2020 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016100012610 |
| Primary APN | 192631016100012610 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,723 sqft Heated Area |
| Gross Area | 2,398 sqft |
| 1st Floor Area | 1,723 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 235 sqft |
| Patio Area | 409 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4558 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 261 |
| 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 | 261 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016100012610
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 07, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Jul 07, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Aug 02, 2019 | Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| May 03, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Oct 30, 2019 | Correction Deed, Transfer ATTORNEY ONLY |
| Feb 13, 2019 | Loan Modification, Mortgage · Line of Credit FLAGSTAR BK |
| Feb 13, 2019 | Warranty Deed, Construction Loan INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 23, 2024 · Amount on Record |
| Deed Sale | Apr 23, 2024 · Amount on Record |
| Prior Sale | Aug 02, 2019 · Amount on Record |
| Deed Document Number | 2024052626 |
| Deed Book / Page | 6587 / 2419 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Document Number | 0061012577 |
|---|---|
| Date | Dec 07, 2021 |
| Book Page | 6101/2577 |
| Instrument | 2021188234 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Document Number | 0057512941 |
| Instrument Date | Jul 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4558 CALUMET DR ST CLOUD FL 347728986, ST CLOUD, FL 34772-8986 |
| Document Number | 0057512941 |
|---|---|
| Date | Jul 09, 2020 |
| Book Page | 005751/002941 |
| Instrument | 88803 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 08, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 02, 2019 |
| Property Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Document Number | 0055671213 |
| Book / Page | 005567 / 001213 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 100027 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2019 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,831.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4558 CALUMET DR ST CLOUD FL 347728986, ST CLOUD, FL 34772-8986 |
| Document Number | 55671214 |
|---|---|
| Date | Aug 02, 2019 |
| Book Page | 005567/001214 |
| Instrument | 100028 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 03, 2019 |
| Property Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Document Number | 0055190560 |
| Book / Page | 005519 / 000560 |
| Instrument Date | May 02, 2019 |
| Instrument | 57689 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $13,055.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
| Investor | Possibly a Property Investor |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 30, 2019 |
| Property Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Document Number | 0056142413 |
| Book / Page | 005614 / 002413 |
| Instrument Date | May 02, 2019 |
| Instrument | 140803 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 13, 2019 |
| Property Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Document Number | 0054762152 |
| Book / Page | 005476 / 002152 |
| Instrument Date | Feb 08, 2019 |
| Instrument | 18834 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE LAKELAND FL 338034053, LAKELAND, FL 33803-4053 |
| Document Number | 54762152 |
|---|---|
| Date | Feb 13, 2019 |
| Book Page | 005476/002152 |
| Instrument | 18834 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | 5151 CORPORATE DR # E, TROY, MI 48098-2639 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 12, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 13, 2019 |
| Property Address | 4558 CALUMET DR, SAINT CLOUD, FL 34772-8986 |
| Document Number | 0054762150 |
| Book / Page | 005476 / 002150 |
| Instrument Date | Feb 08, 2019 |
| Instrument | 18833 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 27, 2019 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $315.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,002.00 (+277.06%) Homeowner's exemption Disabled Person's exemption | $322,500 (+41.32%) Land $70,000 Building $252,500 | $322,500 (-0.71%) Land $70,000 Building $252,500 |
| 2023 | $1,857.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $228,202 (+3%) | $324,800 (+15.67%) Land $60,000 Building $264,800 |
| 2022 | $1,857.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $221,556 | $280,800 Land $55,000 Building $225,800 |
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
| 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 |
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 381 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Xfinity.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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