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

Osceola County property record for 421 Michigan Estates Cir, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,178 sqft · built 2009
Lot Size0.205 acres (8,929 sqft)
Owner2 Individual Names on File
Last Sale$322,000 (Mar 2021)
Tax Bill$4,920 (2025)
Deeds & MortgagesMar 2021 Sale & Mortgage
Flood ZoneZone A (high risk)
APN12-26-30-0222-0001-0680

Property Details

APN / Parcel Number

Primary APN12-26-30-0222-0001-0680
Alternative APNs
  • 263012022200010680
  • 148043

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,178 sqft Living Area
Gross Area3,030 sqft
1st Floor Area2,178 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,929 sqft (0.205 acres)
Garage TypeAttached
Garage Area590 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area262 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address421 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 68
Legal Range30E
Legal Township26S
Legal Section12
Legal SubdivisionMICHIGAN ESTATES
Legal Tract222
Legal Block680
Legal Lot Number68
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2046
Census Tract43303

Owner

Source: Osceola County records · APN 12-26-30-0222-0001-0680

Assessment roll updated November 26, 2025 · Last verified May 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 File
Mailing Address421 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5335
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 30, 2021 · Amount on Record
Deed SaleMar 30, 2021 · Amount on Record
Prior SaleOct 27, 2009 · Amount on Record
Deed Document Number202147515
Deed Book / Page5924 / 23
Record UpdatedJun 08, 2026

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 30, 2021
Property Address421 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5335
Document Number0059240023
Book / Page5924 / 23
Map ReferenceMB 19 PG 85-88
Instrument DateMar 29, 2021
Instrument2021047515
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,254.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address421 MICHIGAN ESTATES CIR, 421, SAINT CLOUD, FL 34769-5335

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5335

Mortgage

Document Number0000592425
DateMar 30, 2021
Instrument5924/25
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,920.00 (+6.03%) Homeowner's exemption$317,782 (+5.99%)$335,600 (+6.44%) Land $75,000 Building $260,600
2023$4,640.00 (+3.43%) Homeowner's exemption$299,833 (+3%)$315,300 (+8.31%) Land $65,000 Building $250,300
2022$4,486.00 Homeowner's exemption$291,100 Land $60,000 Building $231,100$291,100 Land $60,000 Building $231,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 Record
median of 38 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies38 in force

Wildfire

Wildfire RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.2% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Lumen Technologies.

Based on FCC filings for 33 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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