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1122 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1122 Michigan Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 970 sqft · built 1923
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$239,853 (Oct 2022)
Tax Bill$2,105 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN78082

Property Details

APN / Parcel Number

Primary APN78082
Alternative APN
  • 012630000101820110

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area970 sqft Heated Area
Gross Area1,206 sqft
1st Floor Area785 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1923
Effective Year BuiltEffective 1970
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,405 sqft (0.169 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage TypeDetached - Unfinished
Garage Area160 sqft
PorchEnclosed Porch
Porch Area241 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number78082
Street Address1122 MICHIGAN AVE
CitySAINT CLOUD
StateFL
Zip34769-3835
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 182 LOT 11 & 12 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block182
Legal Lot Number2,11-12 12
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4014
Census Tract43500

Owner

Source: Osceola County records · APN 78082

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 RecordIndividual Name on File
Mailing Address1122 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 19, 2022 · Amount on Record
Deed SaleOct 19, 2022 · Amount on Record
Prior SaleJun 23, 1998
Deed Document Number2022154751
Deed Book / Page6302 / 623
Record UpdatedJun 08, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 19, 2022
Property Address1122 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835
Document Number0063020623
Book / Page6302 / 623
Map ReferenceMB B PG 33&34
Instrument DateOct 12, 2022
Instrument2022154751
Transaction TypeTransfer
Record UpdatedNov 04, 2022
Title CompanyEQUITABLE TITLE/W ORLANDO LLC, EQUITABLE TTL OF WEST ORLAND

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,679.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1122 MICHIGAN AVE, SAINT CLOUD, FL 34769-3835

Mortgage

Document Number0006302625
DateOct 19, 2022
Instrument6302/625
Lender
NameBANK OF ENGLAND
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$2,105.00 (+7.51%) Homeowner's exemption$160,533 (+6.38%)$171,100 (+13.39%) Land $46,800 Building $124,300
2023$1,958.00 (+18.09%) Homeowner's exemption$150,900 (+46.79%) Land $42,500 Building $108,400$150,900 (+46.79%) Land $42,500 Building $108,400
2022$1,658.00$102,800 Land $35,100 Building $67,700$102,800 Land $35,100 Building $67,700

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 120970435004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 15 individual NFIP policies nearby
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

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 458 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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