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4590 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4590 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,723 sqft · built 2019
Lot Size0.26 acres (11,326 sqft)
Owner2 Individual Names on File
Last Sale$253,700 (Aug 2019)
Tax Bill$5,640 (2025)
Deeds & MortgagesApr 2022 Mortgage
Aug 2019 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN192631016100012550

Property Details

APN / Parcel Number

Primary APN192631016100012550

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,723 sqft Heated Area
Gross Area2,398 sqft
1st Floor Area1,723 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,326 sqft (0.26 acres)
Garage TypeFinished
Garage Area440 sqft
PorchOpen Porch
Porch Area235 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4590 CALUMET DR
CitySAINT CLOUD
StateFL
Zip34772-8988
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 255
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number255
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1007
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012550

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 Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address4590 CALUMET DR, SAINT CLOUD, FL 34772-8988
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 04, 2022Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA
Aug 30, 2019Grant Deed, Transfer · Conventional Mortgage
HOME SOLUTION LENDERS
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY
Apr 04, 2019Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 30, 2019 · Amount on Record
Deed SaleAug 30, 2019 · Amount on Record
Deed Document Number2019113063
Deed Book / Page5582 / 1839
Record UpdatedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4590 CALUMET DR, SAINT CLOUD, FL 34772-8988
Transaction TypeMortgage
Record UpdatedMay 02, 2022
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address4590 CALUMET DR, SAINT CLOUD, FL 34772-8988

Mortgage

Document Number0061852424
DateApr 04, 2022
Book Page6185/2424
Instrument2022052744
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2052

August 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 30, 2019
Property Address4590 CALUMET DR, SAINT CLOUD, FL 34772-8988
Document Number0055821839
Book / Page005582 / 001839
Instrument DateAug 24, 2019
Instrument113063
Transaction TypeTransfer
Record UpdatedSep 18, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,775.90
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4590 CALUMET DR ST CLOUD FL 347728988, ST CLOUD, FL 34772-8988

Mortgage

Document Number55821840
DateAug 30, 2019
Book Page005582/001840
Instrument113064
Lender
NameHOME SOLUTION LENDERS
TypeFunding / Finance Company
AddressBARTOW, FL 33830
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 29, 2049

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address4590 CALUMET DR, SAINT CLOUD, FL 34772-8988
Document Number0055190560
Book / Page005519 / 000560
Instrument DateMay 02, 2019
Instrument57689
Transaction TypeTransfer
Record UpdatedMay 16, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$13,055.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058
InvestorPossibly a Property Investor

October 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateOct 30, 2019
Property Address4590 CALUMET DR, SAINT CLOUD, FL 34772-8988
Document Number0056142413
Book / Page005614 / 002413
Instrument DateMay 02, 2019
Instrument140803
Transaction TypeTransfer
Record UpdatedNov 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 04, 2019
Property Address4590 CALUMET DR, SAINT CLOUD, FL 34772-8988
Document Number0055030251
Book / Page005503 / 000251
Instrument DateApr 04, 2019
Instrument43023
Transaction TypeTransfer
Record UpdatedApr 19, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
Tax$630.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 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

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,640.00 (+8.55%) Homeowner's exemption$241,399 (+5.99%)$321,400 (-0.71%) Land $70,000 Building $251,400
2023$5,196.00 (+2.3%) Homeowner's exemption$227,764 (+3%)$323,700 (+15.61%) Land $60,000 Building $263,700
2022$5,079.00 Homeowner's exemption$221,131$280,000 Land $55,000 Building $225,000

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

Wildfire

Wildfire RiskModerate
above 61% of the US · lower than 63% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderMax 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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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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