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1622 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1622 Michigan Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,380 sqft · built 2004
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$229,000 (Feb 2019)
Tax Bill$3,005 (2025)
Deeds & MortgagesDec 2025 Line of Credit
Feb 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN79324

Property Details

APN / Parcel Number

Primary APN79324
Alternative APN
  • 012630000103410050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,380 sqft Heated Area
Gross Area2,313 sqft
1st Floor Area1,380 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area288 sqft
PorchOpen Porch
Porch Area513 sqft
Deck Area587 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number79324
Street Address1622 MICHIGAN AVE
CitySAINT CLOUD
StateFL
Zip34769-4543
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 341 LOTS 5 & 6 11/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block341
Legal Lot Number5 6
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4087
Census Tract43500

Owner

1622 Michigan Ave is owned and occupied by an individual who bought it in February 2019.

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

Owner of RecordIndividual Name on File
Mailing Address1622 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543
OccupancyOwner Occupied
Owner TypeIndividual

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
Dec 3, 2025Deed of Trust, Mortgage · Line of Credit
HOMEBRIDGE FINANCIAL SERVICES INC
Feb 26, 2019Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Dec 13, 2018Warranty Deed, Transfer
OPENDOOR TITLE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 26, 2019 · Amount on File
Deed SaleFeb 26, 2019 · Amount on File
Prior SaleDec 13, 2018 · Amount on File
Deed Document Number2019024622
Deed Book / Page5482 / 2347
Record UpdatedJun 8, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1622 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543
Transaction TypeMortgage
Record UpdatedDec 15, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address1622 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543

Mortgage

Document Number0068880737
DateDec 3, 2025
Book Page6888/737
Instrument2025147887
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
AddressISELIN, NJ 08830
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueNov 18, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 26, 2019
Property Address1622 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543
Document Number0054822347
Book / Page5482 / 2347
Map ReferenceMB B PG 33&34
Instrument DateFeb 21, 2019
Instrument2019024622
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyOPENDOOR TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,603.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address405 HOWARD ST STE 550, 405, SAN FRANCISCO, CA 94105-2999

Transferred To (Grantee/Buyer)

NameVerified Name
Address1622 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543

Mortgage

Document Number2019024623
DateFeb 26, 2019
Instrument2019024623
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2049

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 13, 2018
Property Address1622 MICHIGAN AVE, SAINT CLOUD, FL 34769-4543
Document Number0054490884
Book / Page005449 / 000884
Instrument DateDec 11, 2018
Instrument182869
Transaction TypeTransfer
Record UpdatedJan 3, 2019
Title CompanyOPENDOOR TITLE LLC

Transaction

AmountAmount on Record
Tax$1,478.40
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1622 Michigan Ave was $3,005 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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$3,005.00 Homeowner's exemption$210,813$322,600 Land $46,800 Building $275,800
2023$2,823.00 (+3.79%) Homeowner's exemption$198,905 (+3%)$288,400 (+16.57%) Land $42,500 Building $245,900
2022$2,720.00 Homeowner's exemption$193,112$247,400 Land $35,100 Building $212,300

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

Flood

FEMA maps place 1622 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 1622 Michigan Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% 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 309 locations within half a mile, as of December 31, 2025

ProviderMax 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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