Osceola County property record for 4603 Calumet Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,556 sqft · built 2019 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Company Name on File |
| Last Sale | $238,000 (Oct 2019) |
| Tax Bill | $5,272 (2025) |
| Deeds & Mortgages | Oct 2019 Sale & Mortgage May 2019 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016100012940 |
| Primary APN | 192631016100012940 |
|---|
| 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 |
| 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 |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4603 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 294 |
| 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 | 294 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016100012940
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 | Company Name on File |
|---|---|
| Mailing Address | 4603 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 25, 2019 | Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS |
| May 03, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Oct 30, 2019 | Correction Deed, Transfer ATTORNEY ONLY |
| Apr 26, 2019 | Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 25, 2019 · Amount on Record |
| Deed Sale | Oct 25, 2019 · Amount on Record |
| Prior Sale | Apr 26, 2019 · Amount on Record |
| Deed Document Number | 2019138884 |
| Deed Book / Page | 5612 / 1953 |
| Last Transfer Date | Oct 30, 2019 |
| Transfer Doc | 0056142413 |
| Record Updated | Jun 08, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 25, 2019 |
| Property Address | 4603 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Document Number | 0056121953 |
| Book / Page | 005612 / 001953 |
| Instrument Date | Oct 24, 2019 |
| Instrument | 138884 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 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 | $1,666.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4603 CALUMET DR ST CLOUD FL 347728989, ST CLOUD, FL 34772-8989 |
| Document Number | 56121954 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 005612/001954 |
| Instrument | 138885 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 24, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 03, 2019 |
| Property Address | 4603 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 |
| 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 | 4603 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 |
| 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 | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2019 |
| Property Address | 4603 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Document Number | 0055132732 |
| Book / Page | 005513 / 002732 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 53313 |
| Transaction Type | Transfer |
| Record Updated | May 14, 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 | $5,272.00 (+8.9%) Homeowner's exemption Disabled Person's exemption | $225,838 (+5.99%) | $302,800 (-0.43%) Land $70,000 Building $232,800 |
| 2023 | $4,841.00 (+0.58%) Homeowner's exemption Disabled Person's exemption | $213,082 (+3%) | $304,100 (+15.8%) Land $60,000 Building $244,100 |
| 2022 | $4,813.00 Homeowner's exemption Disabled Person's exemption | $206,876 | $262,600 Land $55,000 Building $207,600 |
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
| 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 |
| 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 |
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 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.
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 |
| 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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