Osceola County property record for 2971 Micah Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,222 sqft Heated Area |
| Lot Size | 6,926 sqft (0.158 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $200,000 (2017) |
| Tax Bill | $2,934.00 (2025) |
| Primary APN | 128324 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,222 sqft Heated Area |
| Gross Area | 2,666 sqft Gross Area |
| 1st Floor | 1,120 sqft 1st Floor |
| Upper Floors | 1,102 sqft Upper Floors |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Vinyl Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,926 sqft (0.158 acres) |
| Depth X Width | 105 ft x 60 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 28 sqft Patio |
| Porch | Open Porch |
| Porch Area | 24 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 128324 |
|---|---|
| Old Parcel Number | 222630276600010140 |
| Street Address | 2971 MICAH CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6515 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CANOE CREEK ESTATES PHASE 5 PB 14 PGS 57-58 LOT 14 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | CANOE CREEK ESTATES |
| Legal Phase | 5 |
| Legal Tract | 75 |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43207 |
Source: Osceola County records · APN 128324
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2971 MICAH CT, SAINT CLOUD, FL 34772-6515 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 19, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 08, 2020 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage AMERICAN FIN'L RSRCS |
| May 17, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 17, 2017 · Amount on Record |
| Deed Sale | May 17, 2017 · Amount on Record |
| Prior Sale | Oct 06, 2003 · Amount on Record |
| Deed Doc Number | 2017072760 |
| Deed Book / Page | 5149 / 2342 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2971 MICAH CT, SAINT CLOUD, FL 34772-6515 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2971 MICAH CT, SAINT CLOUD, FL 34772-6515 |
| Document Number | 0057771239 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 5777/1239 |
| Instrument | 2020109602 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2971 MICAH CT, SAINT CLOUD, FL 34772-6515 |
| Document Number | 0057771231 |
| Instrument Date | Jun 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 2971 MICAH CT ST CLOUD FL 347726515, ST CLOUD, FL 34772-6515 |
| Document Number | 0057771231 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 005777/001231 |
| Instrument | 109601 |
| Name | AMERICAN FIN'L RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 18, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 17, 2017 |
| Property Address | 2971 MICAH CT, SAINT CLOUD, FL 34772-6515 |
| Document Number | 0051492342 |
| Book / Page | 5149 / 2342 |
| Map Reference | MB14 PG57&58 |
| Instrument Date | May 05, 2017 |
| Instrument | 2017072760 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0051492344 |
|---|---|
| Date | May 17, 2017 |
| Instrument | 5149/2344 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,934.00 (+6.5%) Homeowner's exemption | $206,804 (+5.99%) | $327,100 (-3.2%) Land $65,000 Building $262,100 |
| 2023 | $2,755.00 (+3.81%) Homeowner's exemption | $195,123 (+3%) | $337,900 (+15.96%) Land $60,000 Building $277,900 |
| 2022 | $2,654.00 Homeowner's exemption | $189,440 | $291,400 Land $55,000 Building $236,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 40% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,500 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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