Osceola County property record for 4607 Calumet Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,060 sqft · built 2019 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $267,900 (Jan 2020) |
| Tax Bill | $6,039 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Apr 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016100012950 |
| Primary APN | 192631016100012950 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,060 sqft Heated Area |
| Gross Area | 2,807 sqft |
| 1st Floor Area | 2,060 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 | 440 sqft |
| Porch | Open Porch |
| Porch Area | 307 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4607 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 295 |
| 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 | 295 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016100012950
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4607 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2024 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Apr 05, 2024 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Sep 19, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 07, 2020 | Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS |
| May 03, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Oct 30, 2019 | Correction Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 07, 2020 · Amount on Record |
| Deed Sale | Jan 07, 2020 · Amount on Record |
| Deed Document Number | 2020002892 |
| Deed Book / Page | 5653 / 2917 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4607 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | TIMIOS INC, TIMIOS |
| Name | Verified Name |
|---|---|
| Address | 4607 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Document Number | 0065690252 |
|---|---|
| Date | Mar 21, 2024 |
| Book Page | 6569/252 |
| Instrument | 2024036715 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | 8800 BAYMEADOWS WAY W STE 400, JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Apr 01, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4607 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | TIMIOS INC, TIMIOS |
| Name | Verified Name |
|---|---|
| Address | 4607 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Document Number | 0065780280 |
|---|---|
| Date | Apr 05, 2024 |
| Book Page | 6578/280 |
| Instrument | 2024043879 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | 8800 BAYMEADOWS WAY W STE 400, JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 01, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4607 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1607 E CLINTON DR, SAINT CLOUD, FL 34769-5533 |
| Document Number | 0062880037 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 6288/37 |
| Instrument | 2022141765 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 07, 2020 |
| Property Address | 4607 CALUMET DR, SAINT CLOUD, FL 34772-8989 |
| Document Number | 0056532917 |
| Book / Page | 005653 / 002917 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 2892 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| 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 | $1,875.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4607 CALUMET DR ST CLOUD FL 347728989, ST CLOUD, FL 34772-8989 |
| Document Number | 56532919 |
|---|---|
| Date | Jan 07, 2020 |
| Book Page | 005653/002919 |
| Instrument | 2893 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 06, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 03, 2019 |
| Property Address | 4607 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 | 4607 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 |
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 | $6,039.00 (+8.34%) Homeowner's exemption | $263,666 (+5.99%) | $351,900 (-0.98%) Land $70,000 Building $281,900 |
| 2023 | $5,574.00 (+2.33%) Homeowner's exemption | $248,773 (+3%) | $355,400 (+15.84%) Land $60,000 Building $295,400 |
| 2022 | $5,447.00 Homeowner's exemption | $241,528 | $306,800 Land $55,000 Building $251,800 |
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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