Osceola County property record for 224 Michigan Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,382 sqft · built 1972 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | Company Name on Record |
| Last Sale | $310,000 (Jul 2026) |
| Tax Bill | $2,780 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0429-0030 |
| Primary APN | 01-26-30-0001-0429-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,382 sqft Living Area |
| Gross Area | 2,141 sqft |
| 1st Floor Area | 1,382 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 309 sqft |
| Shed | 1 Shed |
| Shed Area | 600 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 224 MICHIGAN AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADD PB B PG 63 BLK 429 S 50 FT LOT 3 & N 25 FT LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 429 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 43500 |
Source: Osceola County records, as of August 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4417 13TH ST, SAINT CLOUD, FL 34769-6724 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage CAMPUS USA CREDIT UNION |
| Aug 23, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Feb 19, 2020 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2026 · Amount on Record |
| Deed Sale | Jul 23, 2026 · Amount on Record |
| Prior Sale | Feb 19, 2020 · Amount on Record |
| Deed Document Number | 202696573 |
| Deed Book / Page | 7008 / 2260 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 23, 2026 |
| Property Address | 224 MICHIGAN AVE, SAINT CLOUD, FL 34769-2430 |
| Document Number | 0000096573 |
| Book / Page | 7008 / 2260 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202696573 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Title Company | AMERICAN R TITLE, AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $219,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Document Number | 0000096574, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 7008/2262 |
| Instrument | 202696574 |
| Name | CAMPUS USA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 224 MICHIGAN AVE, SAINT CLOUD, FL 34769-2430 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 224 MICHIGAN AVE, SAINT CLOUD, FL 34769-2430 |
| Document Number | 0064620921 |
|---|---|
| Date | Aug 23, 2023 |
| Book Page | 6462/921 |
| Instrument | 2023110741 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | RENO, NV 89501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 13, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 224 MICHIGAN AVE, SAINT CLOUD, FL 34769-2430 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 224 MICHIGAN AVE, SAINT CLOUD, FL 34769-2430 |
| Document Number | 0060620453 |
|---|---|
| Date | Oct 8, 2021 |
| Book Page | 6062/453 |
| Instrument | 2021157382 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 19, 2020 |
| Property Address | 224 MICHIGAN AVE, SAINT CLOUD, FL 34769-2430 |
| Document Number | 0056770205 |
| Book / Page | 5677 / 205 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Feb 7, 2020 |
| Instrument | 2020024752 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,386.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1859 KINGS POINT BLVD, 1859, KISSIMMEE, FL 34744-6434 |
| Name | Verified Name |
|---|---|
| Address | 224 MICHIGAN AVE, SAINT CLOUD, FL 34769-2430 |
| Document Number | 0056770207 |
|---|---|
| Date | Feb 19, 2020 |
| Instrument | 5677/0207 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,780.00 (+6.6%) Homeowner's exemption | $198,190 (+5.99%) | $284,100 (+15.49%) Land $60,000 Building $224,100 |
| 2023 | $2,608.00 (+3.82%) Homeowner's exemption | $186,996 (+3%) | $246,000 (+18.67%) Land $55,000 Building $191,000 |
| 2022 | $2,512.00 Homeowner's exemption | $181,550 | $207,300 Land $50,000 Building $157,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 330 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 |
| Verizon Fixed Wireless | 300 / 20 |
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