1698 McMichael Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1698 McMichael Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2006
Square Footage	2,016 sqft Heated Area
Lot Size	87,120 sqft (2 acres)
Occupancy	Owner Occupied
Last Sale	$294,900 (2019)
Tax Bill	$3,814.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`90962`
Alternative APN	`152531426000010535`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,016 sqft Heated Area
Gross Area	3,076 sqft Gross Area
1st Floor	1,644 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2006
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	87,120 sqft (2 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Detached - Unfinished Garage
Garage Area	912 sqft Garage
Porch	Enclosed Porch
Porch Area	520 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	90962
Street Address	1698 MCMICHAEL RD
City	SAINT CLOUD
State	FL
Zip	34771-9247
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NEW MAP OF NARCOOSSEE PB 1 PG 073 FROM SE COR LOT 53, W 13.5 FT, N 220 FT TO POB; CONT N 280 FT, W 311.7 FT, S 280 FT, E
Legal Range	31E
Legal Township	25S
Legal Section	15
Legal Subdivision	NARCOOSSEE NEW MAP EAST
Legal Tract	4260
Legal Block	1
Legal Lot Number	53
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1038
Census Tract	43700

Owner

Source: Osceola County records · APN 90962

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 Record	2 Individual Names on File
Mailing Address	1698 MCMICHAEL RD, SAINT CLOUD, FL 34771-9247
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 20, 2019 · Amount on Record
Deed Sale	Jun 20, 2019 · Amount on Record
Deed Doc Number	2019079777
Deed Book / Page	5544 / 2526
Record Refreshed	Jun 08, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 20, 2019
Property Address	1698 MCMICHAEL RD, SAINT CLOUD, FL 34771-9247
Document Number	0055442526
Book / Page	005544 / 002526
Instrument Date	Jun 17, 2019
Instrument	79777
Transaction Type	Transfer
Record Updated	Jul 04, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,064.30
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	1698 MCMICHAEL RD ST CLOUD FL 347719247, ST CLOUD, FL 34771-9247

Mortgage

Document Number	55442528
Date	Jun 20, 2019
Book Page	005544/002528
Instrument	79778

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,814.00 (+7.47%) Homeowner's exemption	$264,721 (+5.99%)	$412,400 (+26.66%) Land $120,000 Building $292,400
2023	$3,549.00 (+4.26%) Homeowner's exemption	$249,768 (+3%)	$325,600 (+12.74%) Land $80,000 Building $245,600
2022	$3,404.00 Homeowner's exemption	$242,494	$288,800 Land $80,000 Building $208,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	High above 88% of the US · above 81% of Florida
Wildfire Likelihood	About 1 in 99 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.