4651 Calumet Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4651 Calumet Dr, Saint Cloud, FL 34772

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	Individual Name on Record
Last Sale	$365,000 (Mar 2026)
Tax Bill	$2,091 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0161-0001-3060`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0161-0001-3060`
Alternative APN	`263119016100013060`

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	Carpet
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	Florida Room
Porch Area	235 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4651 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 306
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4
Legal Phase	4
Legal Lot Number	306
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 March 27, 2026

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	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 11, 2026	Warranty Deed, Transfer · VA Mortgage MID-CONTINENT FUNDING INC
Apr 28, 2020	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD
Mar 12, 2019	Special Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 2, 2018	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2026 · Amount on Record
Deed Sale	Mar 11, 2026 · Amount on Record
Prior Sale	Apr 28, 2020 · Amount on Record
Deed Document Number	202631445
Deed Book / Page	6934 / 2894
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991

Mortgage

Document Number	0060321967
Date	Aug 30, 2021
Book Page	6032/1967
Instrument	2021134374

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 11, 2026
Property Address	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number	0069342894
Book / Page	6934 / 2894
Map Reference	MB 26 PG 79
Instrument Date	Mar 6, 2026
Instrument	2026031445
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	CLOSING USA LLC, CLOSING LAB LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1252 LIZA ST, SAINT CLOUD, FL 34771-4825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991

Mortgage

Document Number	0069342896
Date	Mar 11, 2026
Instrument	6934/2896

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 28, 2020
Property Address	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number	0057141602
Book / Page	5714 / 1602
Map Reference	MB 26 PG 79
Instrument Date	Apr 27, 2020
Instrument	2020057478
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,865.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1859 SHUMARD AVE, 1859, SAINT CLOUD, FL 34771-4883

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991

Mortgage

Document Number	0057141603
Date	Apr 28, 2020
Instrument	5714/1603

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 12, 2019
Property Address	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number	0054900712
Book / Page	5490 / 0712
Map Reference	MB 26 PG 79
Instrument Date	Mar 6, 2019
Instrument	2019031566
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,722.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4651 CALUMET DR, OCALA, FL 34476

Mortgage

Document Number	2019031567
Date	Mar 12, 2019
Instrument	2019031567

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2018
Property Address	4651 CALUMET DR, SAINT CLOUD, FL 34772-8991
Document Number	0054102231
Book / Page	005410 / 002231
Instrument Date	Sep 27, 2018
Instrument	147736
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$1,260.00
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 assessment roll, as of November 26, 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	$2,091.00 (-61.28%) Homeowner's exemption Veteran's exemption	$250,519 (+5.99%)	$320,500 (-0.65%) Land $70,000 Building $250,500
2024	$5,400.00 (+2.64%)
2023	$5,261.00 (+2.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$236,368 (+3%)	$322,600 (+15.83%) Land $60,000 Building $262,600
2022	$5,140.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$229,484	$278,500 Land $55,000 Building $223,500

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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