1612 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1612 Michigan Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 1997
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jan 2020)
Tax Bill	$5,384 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2020 Sale & Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0341-0030`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0341-0030`
Alternative APNs	`263001000103410030` `79323`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Living Area
Gross Area	1,818 sqft
1st Floor Area	1,508 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	30 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1612 MICHIGAN AVE
City	SAINT CLOUD
State	FL
Zip	34769-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 341 LOTS 3 & 4 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	341
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4087
Census Tract	43500

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	3898 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6307
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Intrafamily Transfer, Transfer · FHA Mortgage ADVANTAGEFIRST LENDING INC
Jan 28, 2020	Warranty Deed, Subdivision Related Transfer · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Sep 6, 2019	Warranty Deed, Transfer · Commercial Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2020 · Amount on Record
Deed Sale	Jan 28, 2020 · Amount on Record
Prior Sale	Oct 28, 2003 · Amount on Record
Deed Document Number	202013702
Deed Book / Page	5665 / 111
Last Transfer Date	Jan 14, 2022
Transfer Doc	0061341012
Record Updated	Jun 8, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 21, 2022
Property Address	1612 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543
Document Number	0061341012
Book / Page	6134 / 1012
Map Reference	MB B PG 33&34
Instrument Date	Jan 14, 2022
Instrument	2022011773
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1612 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543

Mortgage

Document Number	0061341015
Date	Jan 21, 2022
Instrument	6134/1015

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2020
Property Address	1612 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543
Document Number	0056650111
Book / Page	5665 / 0111
Map Reference	MB B PG 33&34
Instrument Date	Jan 24, 2020
Instrument	2020013702
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	SOUTHERN TTL & ABSTRACT INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5755 PEAK RD, 5755, RENO, NV 89510-9557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1612 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543
Investor	Possibly a Property Investor

Mortgage

Document Number	0056650125
Date	Jan 28, 2020
Instrument	5665/0125

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Mortgage

Document Number	0056650113
Date	Jan 28, 2020
Book Page	5665/0113
Instrument	2020013703

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 6, 2019
Property Address	1612 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543
Document Number	0055841953
Book / Page	5584 / 1953
Map Reference	MB B PG 33&34
Instrument Date	Aug 30, 2019
Instrument	2019114656
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SOUTHERN TTL & ABSTRACT INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1612 MICHIGAN AVE, 1612, SAINT CLOUD, FL 34769-4543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5755 PEAK RD, RENO, NV 89510-9557
Investor	Possibly a Property Investor

Mortgage

Document Number	0055841957
Date	Sep 6, 2019
Book Page	5584/1957
Instrument	2019114658

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,384.00 (+91.47%)	$300,600 (+54.92%) Land $46,800 Building $253,800	$300,600 (+12.33%) Land $46,800 Building $253,800
2024	$2,812.00 (+2.82%)
2023	$2,735.00 (+3.8%) Homeowner's exemption	$194,038 (+3%)	$267,600 (+17.99%) Land $42,500 Building $225,100
2022	$2,635.00 Homeowner's exemption	$188,387	$226,800 Land $35,100 Building $191,700

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

Flood

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 Record 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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