4650 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4650 Calumet Dr, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,723 sqft · built 2019
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Company Names on File
Last Sale	$286,990 (Apr 2021)
Tax Bill	$6,752 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0161-0001-2440`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0161-0001-2440`
Alternative APN	`263119016100012440`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	1,723 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished/Open Porch
Porch Area	235 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4650 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 244
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4
Legal Phase	4
Legal Lot Number	244
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2440

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	4650 CALUMET DR, SAINT CLOUD, FL 34772-8990
Owner Type	Company
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 05, 2024	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 14, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 04, 2019	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS
Oct 19, 2018	Loan Modification, Mortgage · Line of Credit FLAGSTAR BK
Oct 19, 2018	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 14, 2021 · Amount on Record
Deed Sale	Apr 14, 2021 · Amount on Record
Prior Sale	Apr 04, 2019 · Amount on Record
Deed Document Number	202155784
Deed Book / Page	5934 / 2017
Last Transfer Date	Nov 04, 2024
Transfer Doc	0066941175
Record Updated	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4650 CALUMET DR, SAINT CLOUD, FL 34772-8990
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4650 CALUMET DR, SAINT CLOUD, FL 34772-8990

Mortgage

Document Number	0065771963
Date	Apr 05, 2024
Book Page	6577/1963
Instrument	2024043488

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Apr 01, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2021
Property Address	4650 CALUMET DR, SAINT CLOUD, FL 34772-8990
Document Number	0059342017
Book / Page	5934 / 2017
Map Reference	MB 26 PG 79-82
Instrument Date	Mar 04, 2021
Instrument	2021055784
Transaction Type	Transfer
Record Updated	Jun 10, 2021
Title Company	SIMPLY TITLE LLC, SIMPLY TITLE LLC KISSIMMEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,009.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4650 CALUMET DR, 4650, SAINT CLOUD, FL 34772-8990

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4650 CALUMET DR, SAINT CLOUD, FL 34772-8990

Mortgage

Document Number	59342019
Date	Apr 14, 2021
Instrument	5934/2019

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 04, 2019
Property Address	4650 CALUMET DR, SAINT CLOUD, FL 34772-8990
Document Number	0055022682
Book / Page	005502 / 002682
Instrument Date	Mar 30, 2019
Instrument	42852
Transaction Type	Transfer
Record Updated	Apr 18, 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	$1,703.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4650 CALUMET DR ST CLOUD FL 347728990, ST CLOUD, FL 34772-8990

Mortgage

Document Number	55022683
Date	Apr 04, 2019
Book Page	005502/002683
Instrument	42853

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 03, 2049

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Oct 19, 2018
Property Address	4650 CALUMET DR, SAINT CLOUD, FL 34772-8990
Document Number	0054201107
Book / Page	005420 / 001107
Instrument Date	Oct 17, 2018
Instrument	157107
Transaction Type	Mortgage
Record Updated	Nov 05, 2018

Transaction

Tax	$0.00
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	54201107
Date	Oct 19, 2018
Book Page	005420/001107
Instrument	157107

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 19, 2018
Property Address	4650 CALUMET DR, SAINT CLOUD, FL 34772-8990
Document Number	0054201105
Book / Page	005420 / 001105
Instrument Date	Oct 17, 2018
Instrument	157106
Transaction Type	Transfer
Record Updated	Nov 01, 2018
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

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$6,752.00 (+5.37%)	$303,482 (+5.99%)	$319,700 (-0.65%) Land $70,000 Building $249,700
2024	$6,408.00 (+2.51%)
2023	$6,251.00 (+2.41%) Homeowner's exemption	$286,340 (+3%)	$321,800 (+15.76%) Land $60,000 Building $261,800
2022	$6,104.00 Homeowner's exemption	$278,000 Land $55,000 Building $223,000	$278,000 Land $55,000 Building $223,000

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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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