1400 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1400 Michigan Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,556 sqft · built 1910
Lot Size	0.319 acres (13,939 sqft)
Owner	2 Individual Names on File
Tax Bill	$490 (2025)
Deeds & Mortgages	Jan 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`78829`

Property Details

APN / Parcel Number

Primary APN	`78829`
Alternative APN	`012630000102830010`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,556 sqft Heated Area
Gross Area	1,780 sqft
1st Floor Area	858 sqft
Upper Floors Area	528 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Porch	Enclosed Porch
Porch Area	194 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	78829
Street Address	1400 MICHIGAN AVE
City	SAINT CLOUD
State	FL
Zip	34769-4539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 283 LOTS 1-4 LESS W 6 FT 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	283
Legal Lot Number	1-4 2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4057
Census Tract	43500

Owner

1400 Michigan Ave is owned and occupied by two individuals who acquired it in December 2002.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1400 MICHIGAN AVE, SAINT CLOUD, FL 34769-4539
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2002
Deed Sale	Dec 11, 2002
Prior Sale	Jan 12, 2001
Deed Document Number	0215901128
Record Updated	Jun 8, 2026

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1400 MICHIGAN AVE, SAINT CLOUD, FL 34769-4539
Document Number	0051070675
Book / Page	005107 / 000675
Instrument Date	Jan 10, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 MICHIGAN AVE ST CLOUD FL 347694539, ST CLOUD, FL 34769-4539

Mortgage

Document Number	0051070675
Date	Feb 24, 2017
Book Page	005107/000675
Instrument	29737

Lender

Name	WELLS FARGO FIN'L/FL
Type	Funding / Finance Company
Address	DES MOINES, IA 50309

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.88%

Tax Assessment & Valuation

The 2025 property tax bill for 1400 Michigan Ave was $490 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$490.00 Homeowner's exemption	$57,313	$143,500 Land $63,200 Building $80,300
2023	$476.00 (+1.71%) Homeowner's exemption	$54,076 (+3%)	$127,900 (+12.29%) Land $57,500 Building $70,400
2022	$468.00 Homeowner's exemption	$52,501	$113,900 Land $51,800 Building $62,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1400 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

Wildfire risk around 1400 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.

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 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