4618 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4618 Calumet Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,723 sqft · built 2019
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$245,100 (Apr 2019)
Tax Bill	$5,534 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012510`

Property Details

APN / Parcel Number

Primary APN	`192631016100012510`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Heated Area
Gross Area	2,398 sqft
1st Floor Area	1,723 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	10,454 sqft (0.239 acres)
Garage Type	Finished
Garage Area	440 sqft
Porch	Open Porch
Porch Area	235 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4618 CALUMET DR
City	SAINT CLOUD
State	FL
Zip	34772-8990
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 251
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	251
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County records · APN 192631016100012510

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	4618 CALUMET DR, SAINT CLOUD, FL 34772-8990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU
Apr 22, 2019	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS
Dec 10, 2018	Warranty Deed, Construction Loan INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Dec 07, 2018	Loan Modification, Mortgage · Line of Credit FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2019 · Amount on Record
Deed Sale	Apr 22, 2019 · Amount on Record
Prior Sale	Dec 10, 2018 · Amount on Record
Deed Document Number	2019049775
Deed Book / Page	5510 / 0417
Record Updated	Jun 08, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4618 CALUMET DR, SAINT CLOUD, FL 34772-8990
Transaction Type	Mortgage
Record Updated	Aug 01, 2022
Title Company	ALOMA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4618 CALUMET DR, SAINT CLOUD, FL 34772-8990

Mortgage

Document Number	0059940002
Date	Jul 01, 2021
Book Page	5994/2
Instrument	2021103220

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 22, 2019
Property Address	4618 CALUMET DR, SAINT CLOUD, FL 34772-8990
Document Number	0055100417
Book / Page	005510 / 000417
Instrument Date	Apr 17, 2019
Instrument	49775
Transaction Type	Transfer
Record Updated	May 09, 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	$1,715.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4618 CALUMET DR ST CLOUD FL 347728990, ST CLOUD, FL 34772-8990

Mortgage

Document Number	55100418
Date	Apr 22, 2019
Book Page	005510/000418
Instrument	49776

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2049

December 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 10, 2018
Property Address	4618 CALUMET DR, SAINT CLOUD, FL 34772-8990
Document Number	0054470021
Book / Page	005447 / 000021
Instrument Date	Dec 07, 2018
Instrument	180646
Transaction Type	Construction Loan
Record Updated	Jan 02, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$630.00
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

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4618 CALUMET DR, SAINT CLOUD, FL 34772-8990
Document Number	0054470023
Instrument Date	Dec 07, 2018
Transaction Type	Mortgage
Record Updated	Jan 02, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE LAKELAND FL 338034053, LAKELAND, FL 33803-4053

Mortgage

Document Number	0054470023
Date	Dec 10, 2018
Book Page	005447/000023
Instrument	180647

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

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	$5,534.00 (+8.64%) Homeowner's exemption	$235,441 (+5.99%)	$317,000 (-0.56%) Land $70,000 Building $247,000
2023	$5,094.00 (+2.27%) Homeowner's exemption	$222,142 (+3%)	$318,800 (+15.97%) Land $60,000 Building $258,800
2022	$4,981.00 Homeowner's exemption	$215,672	$274,900 Land $55,000 Building $219,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 59 individual NFIP policies nearby
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 · above 36% of Florida
Wildfire Likelihood	About 1 in 457 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 381 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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