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

Osceola County property record for 370 Michigan Estates Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 2007
Lot Size	0.176 acres (7,667 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Jun 2023)
Tax Bill	$5,071 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`147993`

Property Details

APN / Parcel Number

Primary APN	`147993`
Alternative APN	`122630022200010180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,422 sqft Heated Area
Gross Area	2,182 sqft
1st Floor Area	1,422 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,667 sqft (0.176 acres)
Lot Dimensions	122 ft deep x 63 ft wide
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	322 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	147993
Street Address	370 MICHIGAN ESTATES CIR
City	SAINT CLOUD
State	FL
Zip	34769-5317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MICHIGAN ESTATES PB 19 PG 85-88 LOT 18
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	MICHIGAN ESTATES
Legal Tract	222
Legal Block	1
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2039
Census Tract	43303

Owner

370 Michigan Estates Cir is owned by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	11568 WESTWOOD BLVD APT 1013, 1013, ORLANDO, FL 32821-7407
Owner Type	Individual

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
Jun 14, 2023	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 26, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Nov 18, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023 · Amount on File
Deed Sale	Jun 14, 2023 · Amount on File
Prior Sale	Feb 26, 2021 · Amount on File
Deed Document Number	2023077340
Deed Book / Page	6425 / 272
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 14, 2023
Property Address	370 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5317
Document Number	0064250272
Book / Page	6425 / 272
Map Reference	MB 19 PG 85-88
Instrument Date	Jun 13, 2023
Instrument	2023077340
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	370 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5317

Mortgage

Document Number	0006425274
Date	Jun 14, 2023
Instrument	6425/274

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2021
Property Address	370 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5317
Document Number	0058991842
Book / Page	5899 / 1842
Map Reference	MB 19 PG 85-88
Instrument Date	Feb 25, 2021
Instrument	2021028421
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,848.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	370 MICHIGAN ESTATES CIR, 370, SAINT CLOUD, FL 34769-5317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5317

Mortgage

Document Number	0058991844
Date	Feb 26, 2021
Instrument	5899/1844

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 18, 2019
Property Address	370 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5317
Document Number	0056250537
Book / Page	005625 / 000537
Instrument Date	Aug 27, 2019
Instrument	149599
Transaction Type	Transfer
Record Updated	Dec 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 MICHIGAN ESTATES CIR ST CLOUD FL 347695317, ST CLOUD, FL 34769-5317

Tax Assessment & Valuation

The 2025 property tax bill for 370 Michigan Estates Cir was $5,071.

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	$5,071.00	$283,100 Land $75,000 Building $208,100	$283,100 Land $75,000 Building $208,100
2023	$4,769.00 (+8.09%)	$264,600 (+8.18%) Land $65,000 Building $199,600	$264,600 (+8.18%) Land $65,000 Building $199,600
2022	$4,412.00	$244,600 Land $60,000 Building $184,600	$244,600 Land $60,000 Building $184,600

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

Flood

FEMA maps place 370 Michigan Estates Cir in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 370 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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