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343 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 343 Michigan Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,863 sqft · built 1974
Lot Size0.344 acres (14,984 sqft)
Owner2 Individual Names on Record
Last Sale$430,000 (Nov 2023)
Tax Bill$6,050 (2025)
Deeds & MortgagesNov 2023 Sale & Mortgage
Oct 2021 Transfer
+ 1 more
Flood ZoneZone X (moderate risk)
APN01-26-30-0001-0413-0060

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0413-0060
Alternative APNs
  • 263001000104130060
  • 80098

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,863 sqft Living Area
Gross Area3,535 sqft
1st Floor Area1,863 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1989
Architectural StyleConventional
Exterior MaterialConcrete Block/Stucco
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,984 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage TypeAttached
Garage Area667 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed/Finished Porch
Porch Area941 sqft
Shed1 Shed
Shed Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address343 MICHIGAN AVE
CitySAINT CLOUD
StateFL
Zip34769-2431
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionLAKE FRONT ADDN PB B PG 63 & 64 BLK 413 LOT 6 1/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block413
Legal Lot Number6
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3013
Census Tract43500

Owner

Source: Osceola County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address343 MICHIGAN AVE, SAINT CLOUD, FL 34769-2431
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Nov 3, 2023Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 14, 2021Intrafamily Transfer, Transfer
Sep 20, 2018Deed of Trust, Mortgage · Conventional Mortgage
FAIRWINDS CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 3, 2023 · Amount on Record
Deed SaleNov 3, 2023 · Amount on Record
Prior SaleJun 5, 2015 · Amount on Record
Deed Document Number2023145662
Deed Book / Page6500 / 1502
Prior Transfer DateOct 12, 2021
Prior Transfer Doc0060650787
Record UpdatedOct 29, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 3, 2023
Property Address343 MICHIGAN AVE, SAINT CLOUD, FL 34769-2431
Document Number0065001502
Book / Page6500 / 1502
Map ReferenceMB B PG 61-64
Instrument DateOct 27, 2023
Instrument2023145662
Transaction TypeTransfer
Record UpdatedDec 6, 2023
Title CompanyMAGNOLIA CLOSING CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2745 BASS LAKE BLVD, ORLANDO, FL 32806-6615

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address343 MICHIGAN AVE, SAINT CLOUD, FL 34769-2431

Mortgage

Document Number0065001504
DateNov 3, 2023
Book Page6500/1504
Instrument2023145663
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2053

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateOct 14, 2021
Property Address343 MICHIGAN AVE, SAINT CLOUD, FL 34769-2431
Document Number0060650787
Book / Page6065 / 787
Map ReferenceMB B PG 61-64
Instrument DateOct 12, 2021
Instrument2021160027
Transaction TypeTransfer
Record UpdatedAug 1, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2745 BASS LAKE BLVD, ORLANDO, FL 32806-6615

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address343 MICHIGAN AVE, SAINT CLOUD, FL 34769-2431
Document Number0054072353
Instrument DateSep 20, 2018
Transaction TypeMortgage
Record UpdatedOct 10, 2018
Title CompanyMORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address343 MICHIGAN AVE ST CLOUD FL 347692431, ST CLOUD, FL 34769-2431

Mortgage

Document Number0054072353
DateSep 26, 2018
Book Page005407/002353
Instrument145337
Lender
NameFAIRWINDS CU
AddressORLANDO, FL 32826
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueSep 25, 2038

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,050.00 (+5.73%)$380,900 (+14.08%) Land $66,000 Building $314,900$380,900 (+14.08%) Land $66,000 Building $314,900
2023$5,722.00 (+12.48%)$333,900 (+18.36%) Land $60,500 Building $273,400$333,900 (+18.36%) Land $60,500 Building $273,400
2022$5,087.00$282,100 Land $55,000 Building $227,100$282,100 Land $55,000 Building $227,100

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 40 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 in force
Nearby Flood Claims3 (1995–2022)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 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.

Wildfire

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 330 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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