4639 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4639 Calumet Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,987 sqft · built 2018
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$399,500 (Nov 2024)
Tax Bill	$1,368 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100013030`

Property Details

APN / Parcel Number

Primary APN	`192631016100013030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,987 sqft Heated Area
Gross Area	2,652 sqft
1st Floor Area	1,987 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	245 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4639 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 303
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	303
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43304

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	4639 CALUMET DR, SAINT CLOUD, FL 34772-8991
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 4, 2019	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Jul 16, 2018	Warranty Deed, Foreclosure INNOVATIVE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2024 · Amount on Record
Deed Sale	Nov 15, 2024 · Amount on Record
Prior Sale	Jan 4, 2019 · Amount on Record
Deed Document Number	2024146004
Deed Book / Page	6697 / 1139
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4639 CALUMET DR, SAINT CLOUD, FL 34772-8991
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4639 CALUMET DR, SAINT CLOUD, FL 34772-8991
Investor	Possibly a Property Investor

Mortgage

Document Number	0059721562
Date	Jun 3, 2021
Book Page	5972/1562
Instrument	2021086103

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2019
Property Address	4639 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number	0054581816
Book / Page	005458 / 001816
Instrument Date	Dec 27, 2018
Instrument	1218
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,780.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4639 CALUMET DR ST CLOUD FL 347728991, ST CLOUD, FL 34772-8991

Mortgage

Document Number	54581817
Date	Jan 4, 2019
Book Page	005458/001817
Instrument	1219

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2049

July 2018: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 16, 2018
Property Address	4639 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number	0053680710
Book / Page	005368 / 000710
Instrument Date	Jul 11, 2018
Instrument	108801
Transaction Type	Foreclosure
Record Updated	Oct 24, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$315.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,368.00 (-74.36%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$339,200 (+43.99%) Land $70,000 Building $269,200	$339,200 (-0.79%) Land $70,000 Building $269,200
2023	$5,336.00 (+2.3%) Homeowner's exemption	$235,574 (+3%)	$341,900 (+15.9%) Land $60,000 Building $281,900
2022	$5,216.00 Homeowner's exemption	$228,713	$295,000 Land $55,000 Building $240,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Xfinity.

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