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

Osceola County property record for 401 Michigan Estates Cir, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,145 sqft · built 2008
Lot Size0.172 acres (7,492 sqft)
Owner2 Individual Names on File
Last Sale$350,000 (Oct 2020)
Tax Bill$6,821 (2025)
Deeds & MortgagesJul 2022 Transfer
Oct 2020 Sale & Mortgage
Flood ZoneZone A (high risk)
APN12-26-30-0222-0001-0700

Property Details

APN / Parcel Number

Primary APN12-26-30-0222-0001-0700
Alternative APNs
  • 263012022200010700
  • 148045

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,145 sqft Living Area
Gross Area3,920 sqft
1st Floor Area2,025 sqft
Upper Floors Area1,120 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Architectural StyleConventional
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions120 ft deep x 63 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area355 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address401 MICHIGAN ESTATES CIR
CitySAINT CLOUD
StateFL
Zip34769-5335
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionMICHIGAN ESTATES PB 19 PG 85-88 LOT 70
Legal Range30E
Legal Township26S
Legal Section12
Legal SubdivisionMICHIGAN ESTATES
Legal Tract222
Legal Block700
Legal Lot Number70
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2046
Census Tract43303

Owner

401 Michigan Estates Cir is owned and occupied by two individuals who bought it in October 2020.

Source: Osceola County records, as of March 27, 2026

Owner of Record2 Individual Names on File
Mailing Address401 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5335
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 8, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 9, 2020Warranty Deed, Transfer · Conventional Mortgage
MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 9, 2020 · Amount on File
Deed SaleOct 9, 2020 · Amount on File
Prior SaleApr 9, 2009 · Amount on File
Deed Document Number2020136143
Deed Book / Page5809 / 1947
Record UpdatedOct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 8, 2022
Property Address401 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5335
Document Number0062481576
Book / Page6248 / 1576
Map ReferenceMB 19 PG 85
Instrument DateJun 14, 2022
Instrument2022106502
Transaction TypeTransfer
Record UpdatedJul 21, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5128 STAR RUBY AVE, 5128, SAINT CLOUD, FL 34771-8562

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 9, 2020
Property Address401 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5335
Document Number0058091947
Book / Page5809 / 1947
Map ReferenceMB 19 PG 85
Instrument DateOct 7, 2020
Instrument2020136143
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyUNIK TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4707 ROCKPORT DR, 4707, HUDSONVILLE, MI 49426-7381

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5335

Mortgage

Document Number0058091949
DateOct 9, 2020
Instrument5809/1949
Lender
NameMICHIGAN MUTUAL INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 401 Michigan Estates Cir was $6,821 with a homeowner's exemption, up 3.3% from the year before.

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$6,821.00 (+3.35%) Homeowner's exemption$424,000 Land $75,000 Building $349,000$424,000 Land $75,000 Building $349,000
2024$6,600.00 (+2.39%)
2023$6,446.00 (+4.92%) Homeowner's exemption$400,100 (+8.28%) Land $65,000 Building $335,100$400,100 (+8.28%) Land $65,000 Building $335,100
2022$6,144.00$369,500 Land $60,000 Building $309,500$369,500 Land $60,000 Building $309,500

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

Flood

FEMA maps place 401 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 ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 38 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies38 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 401 Michigan Estates Cir is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.2% annual chance
ExposureNone
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 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 33 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 50
T-Mobile
Fixed Wireless		100 / 20

May also be available: CenturyLink.

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