Osceola County property record for 410 Michigan Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 952 sqft · built 1962 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Jun 2017) |
| Tax Bill | $2,818 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Oct 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 79512 |
| Primary APN | 79512 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 952 sqft Heated Area |
| Gross Area | 1,508 sqft |
| 1st Floor Area | 750 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 202 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 300 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79512 |
|---|---|
| Street Address | 410 MICHIGAN AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2943 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PGS 61/62 BLK 369 LOT 2 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 369 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 43500 |
410 Michigan Ave is owned and occupied by an individual who acquired it in July 2021.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 22, 2021 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jul 7, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jun 19, 2017 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2017 · Amount on File |
| Deed Sale | Jun 19, 2017 · Amount on File |
| Prior Sale | Jun 19, 2017 · Amount on File |
| Deed Document Number | 0051652302 |
| Deed Book / Page | 5165 / 2302 |
| Last Transfer Date | Jul 7, 2021 |
| Transfer Doc | 0059971125 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0065412798 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 6541/2798 |
| Instrument | 2024012442 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 22, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0060702556 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 6070/2556 |
| Instrument | 2021164767 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | RENO, NV 89501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 5, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 7, 2021 |
| Property Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0059971125 |
| Book / Page | 5997 / 1125 |
| Map Reference | MB B PG 61 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021105837 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | NOT AVAILABLE, COAST TO COAST T&E |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 MICHIGAN AVE, 410, SAINT CLOUD, FL 34769-2943 |
| Name | Verified Name |
|---|---|
| Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 59971127 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 5997/1127 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 19, 2017 |
| Property Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0051652302 |
| Book / Page | 5165 / 2302 |
| Map Reference | MB B PG61-64 |
| Instrument Date | Jun 15, 2017 |
| Instrument | 2017088568 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ABSOLUTE TITLE OF CENTRAL FL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14320 FRESNO DR, 14320, ORLANDO, FL 32832-6568 |
| Name | Verified Name |
|---|---|
| Address | 410 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0051652304 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 5165/2304 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 410 Michigan Ave was $2,818 with a homeowner's exemption.
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 | $2,818.00 Homeowner's exemption | $200,320 | $223,500 Land $63,200 Building $160,300 |
| 2023 | $2,645.00 (+3.85%) Homeowner's exemption | $189,005 (+3%) | $202,700 (+10.46%) Land $57,500 Building $145,200 |
| 2022 | $2,547.00 Homeowner's exemption | $183,500 Land $51,800 Building $131,700 | $183,500 Land $51,800 Building $131,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 410 Michigan Ave in Zone X, an area of moderate flood risk, though there have been 3 flood claims nearby since 1995.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 410 Michigan Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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