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1104 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1104 Michigan Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 888 sqft · built 2001
Lot Size0.172 acres (7,492 sqft)
Owner2 Individual Names on File
Last Sale$255,000 (Aug 2026)
Tax Bill$1,287 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Feb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0182-0030

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0182-0030
Alternative APNs
  • 263001000101820030
  • 78078

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area888 sqft Living Area
Gross Area1,226 sqft
1st Floor Area888 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage TypeDetached
Garage Area308 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area30 sqft
Patio Area200 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1104 MICHIGAN AVE
CitySAINT CLOUD
StateFL
Zip34769-3835
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 182 LOTS 3 & 4 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block182
Legal Lot Number3
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4014
Census Tract43500

Owner

1104 Michigan Ave is owned and occupied by two individuals who bought it in August 2026.

Source: Osceola County records, as of August 28, 2026

Owner of Record2 Individual Names on File
Mailing Address1104 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Aug 17, 2026Warranty Deed, Transfer · FHA Mortgage
GOLD STAR MORTGAGE CORPORATION
Feb 11, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 17, 2026 · Amount on File
Deed SaleAug 17, 2026 · Amount on File
Prior SaleAug 25, 2015 · Amount on File
Deed Document Number2026106953
Deed Book / Page7020 / 2538
Prior Transfer DateFeb 1, 2021
Prior Transfer Doc0058890894
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 17, 2026
Property Address1104 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835
Document Number0000106953
Book / Page7020 / 2538
Instrument DateAug 13, 2026
Instrument2026106953
Transaction TypeTransfer
Record UpdatedAug 28, 2026
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$180,285.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1104 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835

Mortgage

Document Number0000106954,
DateAug 17, 2026
Instrument2026106954
Lender
NameGOLD STAR MORTGAGE CORPORATION
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2056
Interest
Max Rate-1%

February 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateFeb 11, 2021
Property Address1104 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835
Document Number0058890894
Book / Page5889 / 894
Map ReferenceMB B PG 33&34
Instrument DateFeb 1, 2021
Instrument2021019933
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address830 CHRIS CT, SAINT CLOUD, FL 34769-5221

Transferred To (Grantee/Buyer)

NameVerified Name
Address1104 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835

Mortgage

Document Number0005889896
DateFeb 11, 2021
Instrument5889/896
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueMar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1104 Michigan Ave was $1,287 with a homeowner's exemption, up 4.1% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,287.00 (+4.13%) Homeowner's exemption$114,780$224,600 Land $46,800 Building $177,800
2024$1,236.00 (+3.78%)
2023$1,191.00 (+4.93%) Homeowner's exemption$108,298 (+3%)$200,300 (+18.24%) Land $42,500 Building $157,800
2022$1,135.00 Homeowner's exemption$105,144$169,400 Land $35,100 Building $134,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1104 Michigan Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims2 (1983–2003)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 2003 · tidal / storm surge

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

Wildfire risk around 1104 Michigan Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 458 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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