Osceola County property record for 419 Michigan Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,714 sqft · built 1973 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $219,900 (Oct 2018) |
| Tax Bill | $2,650 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79508 |
| Primary APN | 79508 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,714 sqft Heated Area |
| Gross Area | 2,080 sqft |
| 1st Floor Area | 1,714 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Combination |
| Foundation Type | Footing |
| 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 |
| Porch | Enclosed Porch |
| Porch Area | 366 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79508 |
|---|---|
| Street Address | 419 MICHIGAN AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 63 BLK 368 LOT 8 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 368 |
| Legal Lot Number | 1,8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 43500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 419 MICHIGAN AVE, SAINT CLOUD, FL 34769-2942 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2019 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG |
| Oct 23, 2018 | Warranty Deed, Transfer · VA Mortgage OCMBC INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2018 · Amount on Record |
| Deed Sale | Oct 23, 2018 · Amount on Record |
| Prior Sale | May 27, 2015 · Amount on Record |
| Deed Document Number | 2018158341 |
| Deed Book / Page | 5421 / 1956 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 419 MICHIGAN AVE, SAINT CLOUD, FL 34769-2942 |
| Document Number | 0056180361 |
| Instrument Date | Oct 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 419 MICHIGAN AVE ST CLOUD FL 347692942, ST CLOUD, FL 34769-2942 |
| Document Number | 0056180361 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 005618/000361 |
| Instrument | 143250 |
| Name | CLEARPATH LNDG |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 3, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 23, 2018 |
| Property Address | 419 MICHIGAN AVE, SAINT CLOUD, FL 34769-2942 |
| Document Number | 0054211956 |
| Book / Page | 005421 / 001956 |
| Instrument Date | Oct 22, 2018 |
| Instrument | 158341 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2018 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,539.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 419 MICHIGAN AVE ST CLOUD FL 347692942, ST CLOUD, FL 34769-2942 |
| Document Number | 54211958 |
|---|---|
| Date | Oct 23, 2018 |
| Book Page | 005421/001958 |
| Instrument | 158342 |
| Name | OCMBC INC |
|---|---|
| Address | IRVINE, CA 92612 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2048 |
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 | $2,650.00 (+6.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $195,970 (+5.99%) | $321,600 (+11.94%) Land $63,200 Building $258,400 |
| 2023 | $2,481.00 (+4.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $184,901 (+3%) | $287,300 (+16.22%) Land $57,500 Building $229,800 |
| 2022 | $2,385.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $179,516 | $247,200 Land $51,800 Building $195,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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 |
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