20 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 20 Michigan Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,963 sqft · built 1972
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Nov 2021)
Tax Bill	$4,191 (2025)
Deeds & Mortgages	Nov 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`80704`

Property Details

APN / Parcel Number

Primary APN	`80704`
Alternative APN	`012630065000010423`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,963 sqft Heated Area
Gross Area	2,709 sqft
1st Floor Area	1,591 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1989
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	101 ft deep x 103 ft wide
Garage Type	Finished
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	558 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80704
Street Address	20 MICHIGAN AVE
City	SAINT CLOUD
State	FL
Zip	34769-2428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	ST CLOUD BLVD LOTS PB B PG 061 N 200 FT LESS N 100 FT LOT 42
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD BLVD
Legal Tract	650
Legal Block	1
Legal Lot Number	42
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43500

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	20 MICHIGAN AVE, SAINT CLOUD, FL 34769-2428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 23, 2021 · Amount on Record
Deed Sale	Nov 23, 2021 · Amount on Record
Prior Sale	Mar 28, 2005 · Amount on Record
Deed Document Number	2021181931
Deed Book / Page	6093 / 542
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 23, 2021
Property Address	20 MICHIGAN AVE, SAINT CLOUD, FL 34769-2428
Document Number	0060930542
Book / Page	6093 / 542
Map Reference	MB B PG 61-44
Instrument Date	Nov 19, 2021
Instrument	2021181931
Transaction Type	Transfer
Record Updated	Dec 10, 2021
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 FAIRWAY ACRES DR, 122, DUNMOR, KY 42339-2074

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	252ND STREET, BELLEROSE, NY 11426

Tax Assessment & Valuation

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	$4,191.00 (+6.16%) Homeowner's exemption	$277,050 (+5.99%)	$324,600 (+24.18%) Land $75,000 Building $249,600
2023	$3,948.00 (+0.69%) Homeowner's exemption	$261,400 (+20.24%) Land $65,000 Building $196,400	$261,400 (+20.24%) Land $65,000 Building $196,400
2022	$3,921.00	$217,400 Land $55,000 Building $162,400	$217,400 Land $55,000 Building $162,400

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	3 (1995–2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20