Osceola County property record for 306 Michigan Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,993 sqft · built 1982 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $327,100 (Jun 2022) |
| Tax Bill | $4,702 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 80078 |
| Primary APN | 80078 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,993 sqft Heated Area |
| Gross Area | 2,246 sqft |
| 1st Floor Area | 1,167 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Garage Type | Finished |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 603 sqft |
| Patio Area | 210 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 80078 |
|---|---|
| Street Address | 306 MICHIGAN AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 412 S 25 FT OF LOT 1 & N 37.5 FT OF LOT 2 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 412 |
| Legal Lot Number | 1-2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 306 MICHIGAN AVE, SAINT CLOUD, FL 34769-2432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Nov 16, 2018 | Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2022 · Amount on Record |
| Deed Sale | Jun 2, 2022 · Amount on Record |
| Prior Sale | Feb 16, 2004 · Amount on Record |
| Deed Document Number | 2022086538 |
| Deed Book / Page | 6225 / 1387 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 2, 2022 |
| Property Address | 306 MICHIGAN AVE, SAINT CLOUD, FL 34769-2432 |
| Document Number | 0062251387 |
| Book / Page | 6225 / 1387 |
| Map Reference | MB B PG 61 |
| Instrument Date | May 31, 2022 |
| Instrument | 2022086538 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,289.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1807 ECHO LN, 1807, LYNN HAVEN, FL 32444-3188 |
| Name | Verified Name |
|---|---|
| Address | 306 MICHIGAN AVE, SAINT CLOUD, FL 34769-2432 |
| Document Number | 0062251388 |
|---|---|
| Date | Jun 2, 2022 |
| Instrument | 6225/1388 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 306 MICHIGAN AVE, SAINT CLOUD, FL 34769-2432 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0054341909 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | 5434/1909 |
| Instrument | 2018169579 |
| Name | CENTRAL FLORIDA EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Nov 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Osceola County assessment roll, as of July 1, 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 | $4,702.00 (-1.32%) Homeowner's exemption | $305,600 (+15.58%) Land $60,000 Building $245,600 | $305,600 (+15.58%) Land $60,000 Building $245,600 |
| 2023 | $4,765.00 (+611.19%) | $264,400 (+233.17%) Land $55,000 Building $209,400 | $264,400 (+25.55%) Land $55,000 Building $209,400 |
| 2022 | $670.00 Homeowner's exemption | $79,358 | $210,600 Land $50,000 Building $160,600 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 500 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures