Osceola County property record for 1012 Michigan Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,278 sqft · built 1925 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Jul 2023) |
| Tax Bill | $4,416 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Sep 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 77947 |
| Primary APN | 77947 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,278 sqft Heated Area |
| Gross Area | 1,518 sqft |
| 1st Floor Area | 1,278 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Flat |
| Roof Material | Rolled Roofing |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached - Unfinished |
| Garage Area | 140 sqft |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77947 |
|---|---|
| Street Address | 1012 MICHIGAN AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 167 LOTS 7 & 8 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 167 |
| Legal Lot Number | 2,7-8 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 43500 |
Source: Osceola County records · APN 77947
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 |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 1012 MICHIGAN AVE, SAINT CLOUD, FL 34769-3833 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2023 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Sep 16, 2022 | Warranty Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY SVCS |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 2023 · Amount on Record |
| Deed Sale | Jul 07, 2023 · Amount on Record |
| Prior Sale | Sep 16, 2022 · Amount on Record |
| Deed Document Number | 2023087802 |
| Deed Book / Page | 6437 / 906 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 07, 2023 |
| Property Address | 1012 MICHIGAN AVE, SAINT CLOUD, FL 34769-3833 |
| Document Number | 0064370906 |
| Book / Page | 6437 / 906 |
| Map Reference | MB B PG 33 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 2023087802 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17826 DORMAN RD, LITHIA, FL 33547-1748 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1012 MICHIGAN AVE, SAINT CLOUD, FL 34769-3833 |
| Document Number | 0006437908 |
|---|---|
| Date | Jul 07, 2023 |
| Instrument | 6437/908 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 16, 2022 |
| Property Address | 1012 MICHIGAN AVE, SAINT CLOUD, FL 34769-3833 |
| Document Number | 0062871780 |
| Book / Page | 6287 / 1780 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Sep 15, 2022 |
| Instrument | 2022141350 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2022 |
| Title Company | PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,319.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 701 ARIZONA AVE, 701, SAINT CLOUD, FL 34769-2006 |
| Name | Verified Name |
|---|---|
| Address | 17826 DORMAN RD, LITHIA, FL 33547-1748 |
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 | $4,416.00 (+12.8%) | $246,500 (+13.49%) Land $46,800 Building $199,700 | $246,500 (+13.49%) Land $46,800 Building $199,700 |
| 2023 | $3,915.00 (+41.64%) | $217,200 (+41.78%) Land $42,500 Building $174,700 | $217,200 (+41.78%) Land $42,500 Building $174,700 |
| 2022 | $2,764.00 | $153,200 Land $35,100 Building $118,100 | $153,200 Land $35,100 Building $118,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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