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4623 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4623 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,723 sqft · built 2019
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$350,000 (Feb 2026)
Tax Bill$4,856 (2025)
Deeds & MortgagesFeb 2026 Sale & Mortgage
Dec 2025 Sale
+ 6 more
Flood ZoneZone X (minimal risk)
APN19-26-31-0161-0001-2990

Property Details

APN / Parcel Number

Primary APN19-26-31-0161-0001-2990
Alternative APN
  • 263119016100012990

Interior

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

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area440 sqft
PorchSlab
Porch Area235 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4623 CALUMET DR
CitySAINT CLOUD
StateFL
Zip34772-8991
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 299
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4
Legal Phase4
Legal Lot Number299
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2990

Assessment roll updated November 26, 2025 · Last verified July 2026

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
Mailing Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Feb 09, 2026Warranty Deed, Transfer · Conventional Mortgage
PARTNERS FCU
Dec 22, 2025Warranty Deed, Transfer
OS NATIONAL LLC
Nov 07, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Jul 31, 2019Special Warranty Deed, Transfer · VA Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY
Feb 06, 2019Loan Modification, Mortgage · Line of Credit
FLAGSTAR BK
Feb 07, 2019Warranty Deed, Construction Loan
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 09, 2026 · Amount on Record
Deed SaleFeb 09, 2026 · Amount on Record
Prior SaleDec 22, 2025 · Amount on Record
Deed Document Number202617363
Deed Book / Page6919 / 2432
Prior Transfer DateOct 25, 2019
Prior Transfer Doc0056202016
Record UpdatedSep 20, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 09, 2026
Property Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number0069192432
Book / Page6919 / 2432
Map ReferenceMB 26 PG 79-82
Instrument DateFeb 05, 2026
Instrument2026017363
Transaction TypeTransfer
Record UpdatedMar 10, 2026
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1295 W WASHINGTON ST # ST115, ST115, TEMPE, AZ 85288-1232

Transferred To (Grantee/Buyer)

NameVerified Name
Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991

Mortgage

Document Number0069192434
DateFeb 09, 2026
Instrument6919/2434
Lender
NamePARTNERS FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 22, 2025
Property Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number0068971868
Book / Page6897 / 1868
Map ReferenceMB 26 PG 79-82
Instrument DateDec 19, 2025
Instrument2025156194
Transaction TypeTransfer
Record UpdatedJan 13, 2026
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$2,256.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2398 LILY BLOOM RD, SAINT CLOUD, FL 34771-9452

Transferred To (Grantee/Buyer)

NameVerified Name
Address1295 W WASHINGTON ST STE 115, 115, TEMPE, AZ 85288-1233
InvestorPossibly a Property Investor

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 07, 2019
Property Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number0056202016
Book / Page005620 / 002016
Instrument DateOct 25, 2019
Instrument145804
Transaction TypeTransfer
Record UpdatedNov 26, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address4623 CALUMET DR ST CLOUD FL 347728991, ST CLOUD, FL 34772-8991
InvestorPossibly a Property Investor

July 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 31, 2019
Property Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number0055652927
Book / Page5565 / 2927
Map ReferenceMB 26 PG 79-82
Instrument DateJul 26, 2019
Instrument2019098903
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyINNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,794.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991

Mortgage

Document Number0055652928
DateJul 31, 2019
Instrument5565/2928
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2049

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
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 Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
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

February 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number0054740275
Instrument DateFeb 06, 2019
Transaction TypeMortgage
Record UpdatedFeb 20, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE LAKELAND FL 338034053, LAKELAND, FL 33803-4053

Mortgage

Document Number0054740275
DateFeb 07, 2019
Book Page005474/000275
Instrument16423
Lender
NameFLAGSTAR BK
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueFeb 06, 2039
Interest
Rate TypeAdjustable Rate

February 2019: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 07, 2019
Property Address4623 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number0054740273
Book / Page005474 / 000273
Instrument DateFeb 06, 2019
Instrument16422
Transaction TypeConstruction Loan
Record UpdatedFeb 20, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
Tax$315.00
Additional
  • Arm's Length

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 November 26, 2025 · Last verified July 2026

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$4,856.00 (+6.3%)$202,557 (+5.99%)$318,400 (-0.59%) Land $70,000 Building $248,400
2024$4,568.00 (+2.74%)
2023$4,446.00 (+2.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$191,116 (+3%)$320,300 (+16.01%) Land $60,000 Building $260,300
2022$4,348.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$185,550$276,100 Land $55,000 Building $221,100

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 AE, 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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