Osceola County property record for 4630 Calumet Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,563 sqft · built 2019 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $232,100 (Apr 2019) |
| Tax Bill | $5,318 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016100012490 |
| Primary APN | 192631016100012490 |
|---|
| 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 | 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 | 6,970 sqft (0.16 acres) |
| Garage Type | Finished |
| Garage Area | 380 sqft |
| Porch | Open Porch |
| Porch Area | 95 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4630 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 249 |
| 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 | 249 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016100012490
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 | 4630 CALUMET DR, SAINT CLOUD, FL 34772-8990 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 27, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 24, 2019 | Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS |
| Nov 13, 2018 | Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Nov 13, 2018 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 24, 2019 · Amount on Record |
| Deed Sale | Apr 24, 2019 · Amount on Record |
| Prior Sale | Nov 13, 2018 · Amount on Record |
| Deed Document Number | 2019051960 |
| Deed Book / Page | 5512 / 1348 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4630 CALUMET DR, SAINT CLOUD, FL 34772-8990 |
| Transaction Type | Mortgage |
| Record Updated | Mar 04, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4630 CALUMET DR, SAINT CLOUD, FL 34772-8990 |
| Document Number | 0058900309 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 5890/309 |
| Instrument | 2021020583 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4630 CALUMET DR, SAINT CLOUD, FL 34772-8990 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056820401 |
|---|---|
| Date | Feb 27, 2020 |
| Book Page | 5682/401 |
| Instrument | 2020028917 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jun 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2019 |
| Property Address | 4630 CALUMET DR, SAINT CLOUD, FL 34772-8990 |
| Document Number | 0055121348 |
| Book / Page | 005512 / 001348 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 51960 |
| Transaction Type | Transfer |
| Record Updated | May 10, 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 | $1,624.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4630 CALUMET DR ST CLOUD FL 347728990, ST CLOUD, FL 34772-8990 |
| Document Number | 55121349 |
|---|---|
| Date | Apr 24, 2019 |
| Book Page | 005512/001349 |
| Instrument | 51961 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 23, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2018 |
| Property Address | 4630 CALUMET DR, SAINT CLOUD, FL 34772-8990 |
| Document Number | 0054320972 |
| Book / Page | 005432 / 000972 |
| Instrument Date | Nov 09, 2018 |
| Instrument | 167454 |
| Transaction Type | Transfer |
| Record Updated | Dec 03, 2018 |
| 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 FIORIDA AVE #101 LAKELAND FL 33803, 101, LAKELAND, FL 33803 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2018 |
| Property Address | 4630 CALUMET DR, SAINT CLOUD, FL 34772-8990 |
| Document Number | 0054320974 |
| Book / Page | 005432 / 000974 |
| Instrument Date | Nov 09, 2018 |
| Instrument | 167455 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2018 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
| Document Number | 54320974 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 005432/000974 |
| Instrument | 167455 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 100 N TAMPA ST # 3400, TAMPA, FL 33602-5145 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $5,318.00 (+8.77%) Homeowner's exemption | $223,372 (+5.99%) | $299,300 (-0.4%) Land $70,000 Building $229,300 |
| 2023 | $4,889.00 (+2.24%) Homeowner's exemption | $210,755 (+3%) | $300,500 (+15.71%) Land $60,000 Building $240,500 |
| 2022 | $4,782.00 Homeowner's exemption | $204,617 | $259,700 Land $55,000 Building $204,700 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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, availability as of December 31, 2025 · sampled at 381 locations within half a mile · 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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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