280 Michigan Estates Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 280 Michigan Estates Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,178 sqft · built 2008
Lot Size	0.271 acres (11,848 sqft)
Owner	2 Owner Names on File
Last Sale	$165,000 (Jul 2012)
Tax Bill	$2,127 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`147984`

Property Details

APN / Parcel Number

Primary APN	`147984`
Alternative APN	`122630022200010090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,178 sqft Heated Area
Gross Area	2,970 sqft
1st Floor Area	2,178 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,848 sqft (0.271 acres)
Garage Type	Finished
Garage Area	590 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Porch Area	202 sqft
Deck Area	240 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	147984
Street Address	280 MICHIGAN ESTATES CIR
City	SAINT CLOUD
State	FL
Zip	34769-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MICHIGAN ESTATES PB 19 PG 85-88 LOT 9
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	MICHIGAN ESTATES
Legal Tract	222
Legal Block	1
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2039
Census Tract	43303

Owner

The current owner of 280 Michigan Estates Cir bought it in July 2012.

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

Owner of Record	2 Owner Names on File
Mailing Address	280 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5316
Occupancy	Owner Occupied

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

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Apr 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2012 · Amount on File
Deed Sale	Jul 30, 2012 · Amount on File
Prior Sale	Dec 29, 2011 · Amount on File
Deed Document Number	2012111598
Deed Book / Page	4302 / 0929
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	280 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5316
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5316

Mortgage

Document Number	0060892595
Date	Nov 18, 2021
Book Page	6089/2595
Instrument	2021179417

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	166 Months
Due	Sep 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	280 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5316
Document Number	0057161221
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	280 MICHIGAN ESTATES CIR ST CLOUD FL 347695316, ST CLOUD, FL 34769-5316

Mortgage

Document Number	0057161221
Date	Apr 30, 2020
Book Page	005716/001221
Instrument	59157

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 280 Michigan Estates Cir was $2,127 with a homeowner's exemption.

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	$2,127.00 Homeowner's exemption	$161,725	$344,400 Land $75,000 Building $269,400
2023	$1,989.00 (+4.14%) Homeowner's exemption	$152,591 (+3%)	$324,800 (+7.59%) Land $65,000 Building $259,800
2022	$1,910.00 Homeowner's exemption	$148,147	$301,900 Land $60,000 Building $241,900

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

Flood

FEMA maps place 280 Michigan Estates Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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 280 Michigan Estates Cir is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
CenturyLink DSL	140 / 20

May also be available: Verizon.

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