4586 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4586 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,527 sqft · built 2019
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$373,000 (May 2023)
Tax Bill	$6,646 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012560`

Property Details

APN / Parcel Number

Primary APN	`192631016100012560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,527 sqft Heated Area
Gross Area	2,086 sqft
1st Floor Area	1,527 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	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	400 sqft
Porch	Open Porch
Porch Area	159 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4586 CALUMET DR
City	SAINT CLOUD
State	FL
Zip	34772-8988
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 256
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	256
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1007
Census Tract	43304

Owner

Source: Osceola County records · APN 192631016100012560

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	4586 CALUMET DR, SAINT CLOUD, FL 34772-8988
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Warranty Deed, Transfer · FHA Mortgage OCMBC INC
May 16, 2019	Grant Deed, Transfer · VA Mortgage HOME SOLUTION LENDERS
May 03, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY
Dec 12, 2018	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Dec 12, 2018	Loan Modification, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	May 16, 2019 · Amount on Record
Deed Document Number	2023069230
Deed Book / Page	6415 / 2704
Record Updated	Jun 08, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2023
Property Address	4586 CALUMET DR, SAINT CLOUD, FL 34772-8988
Document Number	0064152704
Book / Page	6415 / 2704
Map Reference	MB 26 PG 79-82
Instrument Date	May 26, 2023
Instrument	2023069230
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	SUN LIFE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,611.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	765 SE 64TH TER, OCALA, FL 34472-7976

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4586 CALUMET DR, SAINT CLOUD, FL 34772-8988

Mortgage

Document Number	0064152706
Date	May 31, 2023
Instrument	6415/2706

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 16, 2019
Property Address	4586 CALUMET DR, SAINT CLOUD, FL 34772-8988
Document Number	0055250386
Book / Page	005525 / 000386
Instrument Date	May 10, 2019
Instrument	63026
Transaction Type	Transfer
Record Updated	May 30, 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	$1,659.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4586 CALUMET DR ST CLOUD FL 347728988, ST CLOUD, FL 34772-8988

Mortgage

Document Number	55250387
Date	May 16, 2019
Book Page	005525/000387
Instrument	63027

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 03, 2019
Property Address	4586 CALUMET DR, SAINT CLOUD, FL 34772-8988
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	4586 CALUMET DR, SAINT CLOUD, FL 34772-8988
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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 12, 2018
Property Address	4586 CALUMET DR, SAINT CLOUD, FL 34772-8988
Document Number	0054472856
Book / Page	005447 / 002856
Instrument Date	Dec 12, 2018
Instrument	181551
Transaction Type	Transfer
Record Updated	Jan 02, 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

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Dec 12, 2018
Property Address	4586 CALUMET DR, SAINT CLOUD, FL 34772-8988
Document Number	0054472858
Book / Page	005447 / 002858
Instrument Date	Dec 12, 2018
Instrument	181552
Transaction Type	Mortgage
Record Updated	Jan 07, 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	54472858
Date	Dec 12, 2018
Book Page	005447/002858
Instrument	181552

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

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	$6,646.00 (+257.89%) Homeowner's exemption	$297,600 (+42.6%) Land $70,000 Building $227,600	$297,600 (-0.3%) Land $70,000 Building $227,600
2023	$1,857.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$208,695 (+3%)	$298,500 (+15.83%) Land $60,000 Building $238,500
2022	$1,857.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$202,617	$257,700 Land $55,000 Building $202,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · 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.

Based on FCC filings for 381 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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

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 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.

4586 Calumet Dr, Saint Cloud, FL 34772 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2019: Correction Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2018: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Calumet Dr

Nearby Streets

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