4595 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4595 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,563 sqft · built 2019
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$232,500 (Jul 2019)
Tax Bill	$5,347 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012920`

Property Details

APN / Parcel Number

Primary APN	`192631016100012920`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,563 sqft Heated Area
Gross Area	2,038 sqft
1st Floor Area	1,563 sqft
Flooring	Tile
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	380 sqft
Porch	Open Porch
Porch Area	95 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4595 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 292
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	292
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1010
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	4595 CALUMET DR, SAINT CLOUD, FL 34772-8989
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Jul 3, 2019	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS
May 3, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY
Feb 5, 2019	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Feb 5, 2019	Loan Modification, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 3, 2019 · Amount on Record
Deed Sale	Jul 3, 2019 · Amount on Record
Prior Sale	Feb 5, 2019 · Amount on Record
Deed Document Number	2019085877
Deed Book / Page	5551 / 1732
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4595 CALUMET DR, SAINT CLOUD, FL 34772-8989
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4595 CALUMET DR, SAINT CLOUD, FL 34772-8989

Mortgage

Document Number	0058800397
Date	Jan 29, 2021
Book Page	5880/397
Instrument	2021013191

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 3, 2019
Property Address	4595 CALUMET DR, SAINT CLOUD, FL 34772-8989
Document Number	0055511732
Book / Page	005551 / 001732
Instrument Date	Jun 29, 2019
Instrument	85877
Transaction Type	Transfer
Record Updated	Jul 25, 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	$1,627.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4595 CALUMET DR ST CLOUD FL 347728989, ST CLOUD, FL 34772-8989

Mortgage

Document Number	55511733
Date	Jul 3, 2019
Book Page	005551/001733
Instrument	85878

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2019
Property Address	4595 CALUMET DR, SAINT CLOUD, FL 34772-8989
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	4595 CALUMET DR, SAINT CLOUD, FL 34772-8989
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

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2019
Property Address	4595 CALUMET DR, SAINT CLOUD, FL 34772-8989
Document Number	0054721357
Book / Page	005472 / 001357
Instrument Date	Feb 4, 2019
Instrument	14665
Transaction Type	Transfer
Record Updated	Feb 15, 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

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2019
Property Address	4595 CALUMET DR, SAINT CLOUD, FL 34772-8989
Document Number	0054721359
Book / Page	005472 / 001359
Instrument Date	Feb 4, 2019
Instrument	14666
Transaction Type	Mortgage
Record Updated	Feb 21, 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	54721359
Date	Feb 5, 2019
Book Page	005472/001359
Instrument	14666

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 assessment roll, as of July 1, 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	$5,347.00 (+8.72%) Homeowner's exemption	$225,034 (+5.99%)	$301,500 (-0.4%) Land $70,000 Building $231,500
2023	$4,918.00 (+2.27%) Homeowner's exemption	$212,323 (+3%)	$302,700 (+15.76%) Land $60,000 Building $242,700
2022	$4,809.00 Homeowner's exemption	$206,139	$261,500 Land $55,000 Building $206,500

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
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 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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)
Lumen Technologies 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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