Osceola County property record for 1116 Michigan Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,213 sqft · built 1923 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Feb 2022) |
| Tax Bill | $2,152 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 78080 |
| Primary APN | 78080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,213 sqft Heated Area |
| Gross Area | 1,353 sqft |
| 1st Floor Area | 1,042 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 311 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78080 |
|---|---|
| Street Address | 1116 MICHIGAN AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 182 LOTS 7 & 8 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 182 |
| Legal Lot Number | 2,7-8 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 43500 |
1116 Michigan Ave is owned and occupied by an individual who bought it in February 2022.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 1116 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2022 · Amount on File |
| Deed Sale | Feb 11, 2022 · Amount on File |
| Prior Sale | Sep 11, 2006 · Amount on File |
| Deed Document Number | 2022023314 |
| Deed Book / Page | 6148 / 2218 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 11, 2022 |
| Property Address | 1116 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835 |
| Document Number | 0061482218 |
| Book / Page | 6148 / 2218 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Feb 10, 2022 |
| Instrument | 2022023314 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2022 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2112 PEACH TREE BLVD, 2112, SAINT CLOUD, FL 34769-1611 |
| Name | Verified Name |
|---|---|
| Address | 1116 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835 |
| Document Number | 0061482219 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 6148/2219 |
| Name | MELODY GRIFFIN |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1116 Michigan Ave was $2,152 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,152.00 Homeowner's exemption | $163,149 | $167,100 Land $46,800 Building $120,300 |
| 2023 | $1,933.00 (-0.21%) Homeowner's exemption | $149,200 (+17.85%) Land $42,500 Building $106,700 | $149,200 (+17.85%) Land $42,500 Building $106,700 |
| 2022 | $1,937.00 | $126,600 Land $35,100 Building $91,500 | $126,600 Land $35,100 Building $91,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1116 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1983–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 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 risk around 1116 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 Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025
| Provider | Max 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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