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

Osceola County property record for 331 Michigan Estates Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 2011
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Sep 2021)
Tax Bill	$5,047 (2025)
Deeds & Mortgages	Sep 2021 Sale Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148052`

Property Details

APN / Parcel Number

Primary APN	`148052`
Alternative APN	`122630022200010770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,422 sqft Heated Area
Gross Area	2,238 sqft
1st Floor Area	1,422 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.171 acres)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	378 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	148052
Street Address	331 MICHIGAN ESTATES CIR
City	SAINT CLOUD
State	FL
Zip	34769-5334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MICHIGAN ESTATES PB 19 PG 85-88 LOT 77
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	MICHIGAN ESTATES
Legal Tract	222
Legal Block	1
Legal Lot Number	77
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2046
Census Tract	43303

Owner

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	331 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Warranty Deed, Transfer ALLIANCE TITLE COMPANY, ALLIANCE TITLE SERVICES LTD
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Sep 3, 2014 · Amount on Record
Deed Document Number	0060441418
Deed Book / Page	6044 / 1418
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2021
Property Address	331 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5334
Document Number	0060441418
Book / Page	6044 / 1418
Map Reference	MB 19 PG 85-88
Instrument Date	Sep 15, 2021
Instrument	2021143691
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE SERVICES LTD

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	506 NEPTUNE BAY CIR UNIT 4, 506, SAINT CLOUD, FL 34769-7019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5334

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	331 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5334
Document Number	0056790202
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	331 MICHIGAN ESTATES CIR ST CLOUD FL 347695334, ST CLOUD, FL 34769-5334

Mortgage

Document Number	0056790202
Date	Feb 24, 2020
Book Page	005679/000202
Instrument	26302

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 23, 2035

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	331 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5334
Document Number	0054150791
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	331 MICHIGAN ESTATES CIR ST CLOUD FL 347695334, ST CLOUD, FL 34769-5334

Mortgage

Document Number	0054150791
Date	Oct 10, 2018
Book Page	005415/000791
Instrument	152097

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2048

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	$5,047.00 (+6.28%)	$281,800 (+6.94%) Land $75,000 Building $206,800	$281,800 (+6.94%) Land $75,000 Building $206,800
2023	$4,749.00 (+8.13%)	$263,500 (+8.21%) Land $65,000 Building $198,500	$263,500 (+8.21%) Land $65,000 Building $198,500
2022	$4,392.00	$243,500 Land $60,000 Building $183,500	$243,500 Land $60,000 Building $183,500

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 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 Record 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

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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