Osceola County property record for 4631 Calumet Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,723 sqft · built 2018 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $399,777 (Jun 2023) |
| Tax Bill | $6,992 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016100013010 |
| Primary APN | 192631016100013010 |
|---|
| 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 | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 235 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4631 CALUMET DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8991 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 301 |
| 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 | 301 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016100013010
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 | Individual Name on File |
|---|---|
| Mailing Address | 4631 CALUMET DR, SAINT CLOUD, FL 34772-8991 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 07, 2019 | Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Jul 31, 2018 | Warranty Deed, Construction Loan INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 16, 2023 · Amount on Record |
| Deed Sale | Jun 16, 2023 · Amount on Record |
| Prior Sale | Jan 07, 2019 · Amount on Record |
| Deed Document Number | 2023078543 |
| Deed Book / Page | 6426 / 1565 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 16, 2023 |
| Property Address | 4631 CALUMET DR, SAINT CLOUD, FL 34772-8991 |
| Document Number | 0064261565 |
| Book / Page | 6426 / 1565 |
| Map Reference | MB 26 PG 79-82 |
| Instrument Date | May 12, 2023 |
| Instrument | 2023078543 |
| Transaction Type | Transfer |
| Record Updated | Jul 03, 2023 |
| Title Company | SIMPLY TITLE LLC KISSIMMEE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,798.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4631 CALUMET DR, SAINT CLOUD, FL 34772-8991 |
| Name | Verified Name |
|---|---|
| Address | 4631 CALUMET DR, SAINT CLOUD, FL 34772-8991 |
| Document Number | 0064261567 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 6426/1567 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Number | 0064261591 |
|---|---|
| Date | Jun 16, 2023 |
| Book Page | 6426/1591 |
| Instrument | 2023078545 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 07, 2019 |
| Property Address | 4631 CALUMET DR, SAINT CLOUD, FL 34772-8991 |
| Document Number | 0054592157 |
| Book / Page | 005459 / 002157 |
| Instrument Date | Dec 31, 2018 |
| Instrument | 2289 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 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 | $1,670.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4631 CALUMET DR ST CLOUD FL 347728991, ST CLOUD, FL 34772-8991 |
| Document Number | 54592158 |
|---|---|
| Date | Jan 07, 2019 |
| Book Page | 005459/002158 |
| Instrument | 2290 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 06, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 4631 CALUMET DR, SAINT CLOUD, FL 34772-8991 |
| Document Number | 0053752655 |
| Book / Page | 005375 / 002655 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 116023 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 24, 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 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 | $6,992.00 (+37.37%) Homeowner's exemption | $316,900 (+42.8%) Land $70,000 Building $246,900 | $316,900 (-0.47%) Land $70,000 Building $246,900 |
| 2023 | $5,090.00 (-29.63%) Homeowner's exemption | $221,926 (+3%) | $318,400 (+15.87%) Land $60,000 Building $258,400 |
| 2022 | $7,233.00 Homeowner's exemption | $215,463 | $274,800 Land $55,000 Building $219,800 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, 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 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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