4583 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4583 Calumet Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,556 sqft · built 2019
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$238,400 (Nov 2019)
Tax Bill	$5,309 (2025)
Deeds & Mortgages	Jun 2023 Transfer Oct 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012890`

Property Details

APN / Parcel Number

Primary APN	`192631016100012890`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,556 sqft Heated Area
Gross Area	2,099 sqft
1st Floor Area	1,556 sqft
Flooring	Carpet
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	144 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4583 CALUMET DR
City	SAINT CLOUD
State	FL
Zip	34772-8989
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 289
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	289
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1010
Census Tract	43304

Owner

Source: Osceola County records · APN 192631016100012890

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	2 Verified Secondary Owners
Mailing Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 06, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 04, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 09, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 06, 2019	Special Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 03, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY
Mar 27, 2019	Loan Modification, Mortgage · Line of Credit REGIONS BK
Mar 27, 2019	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names	4 Verified Names on Deed
Last Sale	Nov 06, 2019 · Amount on Record
Deed Sale	Nov 06, 2019 · Amount on Record
Prior Sale	Nov 06, 2019 · Amount on Record
Deed Document Number	0056190301
Deed Book / Page	5619 / 0301
Last Transfer Date	Jun 06, 2023
Transfer Doc	0064191534
Record Updated	Jun 08, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 06, 2023
Property Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
Document Number	0064191534
Book / Page	6419 / 1534
Map Reference	MB 26 PG 79
Instrument Date	May 01, 2023
Instrument	2023072172
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2965 DANIEL ST, BRONX, NY 10461-4801

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989

Mortgage

Document Number	0060562799
Date	Oct 04, 2021
Book Page	6056/2799
Instrument	2021153226

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 01, 2041

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
Transaction Type	Mortgage
Record Updated	May 02, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057520060
Date	Jul 09, 2020
Book Page	5752/60
Instrument	2020088845

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Dec 01, 2049

November 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 06, 2019
Property Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
Document Number	0056190301
Book / Page	5619 / 0301
Map Reference	MB 26 PG 79
Instrument Date	Oct 31, 2019
Instrument	2019144180
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,668.80
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	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989

Mortgage

Document Number	0005619302
Date	Nov 06, 2019
Instrument	5619/302

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 03, 2019
Property Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
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

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	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
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

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

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Mar 27, 2019
Property Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
Document Number	0054972055
Book / Page	005497 / 002055
Instrument Date	Mar 25, 2019
Instrument	38416
Transaction Type	Mortgage
Record Updated	Apr 09, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	54972055
Date	Mar 27, 2019
Book Page	005497/002055
Instrument	38416

Lender

Name	REGIONS BK
Type	Bank
Address	100 N TAMPA ST # 3400, TAMPA, FL 33602-5145

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 27, 2019
Property Address	4583 CALUMET DR, SAINT CLOUD, FL 34772-8989
Document Number	0054972053
Book / Page	005497 / 002053
Instrument Date	Mar 25, 2019
Instrument	38415
Transaction Type	Transfer
Record Updated	Apr 04, 2019
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	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$5,309.00 (+8.77%) Homeowner's exemption	$222,899 (+5.99%)	$300,000 (-0.33%) Land $70,000 Building $230,000
2023	$4,881.00 (+2.24%) Homeowner's exemption	$210,309 (+3%)	$301,000 (+15.86%) Land $60,000 Building $241,000
2022	$4,774.00 Homeowner's exemption	$204,184	$259,800 Land $55,000 Building $204,800

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
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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