Osceola County property record for 436 Michigan Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,118 sqft · built 1974 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $166,500 (Jun 2024) |
| Tax Bill | $7,800 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0369-0050 |
| Primary APN | 01-26-30-0001-0369-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,118 sqft Living Area |
| Gross Area | 4,112 sqft |
| 1st Floor Area | 1,510 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 703 sqft |
| Porch | Florida Room |
| Porch Area | 1,179 sqft |
| Deck Area | 725 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 436 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 PG 61/62 BLK 369 LOT 5 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 369 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 43500 |
Source: Osceola County records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 806 VERONA ST, 5, KISSIMMEE, FL 34741-5472 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Sep 6, 2023 | Quit Claim Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| May 23, 2022 | Warranty Deed, Transfer · Commercial Mortgage SKY 18 CAPITAL SERIES 14 LLC |
| Jan 10, 2020 | Warranty Deed, Transfer PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2024 · Amount on Record |
| Deed Sale | Jun 7, 2024 · Amount on Record |
| Prior Sale | Sep 6, 2023 · Amount on Record |
| Deed Document Number | 202475519 |
| Deed Book / Page | 6613 / 1961 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 6, 2023 |
| Property Address | 436 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0064692215 |
| Book / Page | 6469 / 2215 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 2023117142 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2023 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2954 WHITE CEDAR CIR, KISSIMMEE, FL 34741-7617 |
| Name | Verified Name |
|---|---|
| Address | 2954 WHITE CEDAR CIR, KISSIMMEE, FL 34741-7617 |
| Document Number | 0064692216 |
|---|---|
| Date | Sep 6, 2023 |
| Instrument | 6469/2216 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 23, 2022 |
| Property Address | 436 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0062190435 |
| Book / Page | 6219 / 435 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | May 20, 2022 |
| Instrument | 2022081130 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6505 COTTAGE LN, 6505, SAINT CLOUD, FL 34771-8803 |
| Name | Verified Name |
|---|---|
| Address | 436 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0006219436 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 6219/436 |
| Name | SKY 18 CAPITAL SERIES 14 LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jun 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 10, 2020 |
| Property Address | 436 MICHIGAN AVE, SAINT CLOUD, FL 34769-2943 |
| Document Number | 0056560850 |
| Book / Page | 005656 / 000850 |
| Instrument Date | Dec 26, 2019 |
| Instrument | 5223 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| Title Company | PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,676.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 436 MICHIGAN AVE ST CLOUD FL 347692943, ST CLOUD, FL 34769-2943 |
Source: Osceola County assessment roll, as of November 26, 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 | $7,800.00 (+2.47%) | $435,600 (+13.38%) Land $63,200 Building $372,400 | $435,600 (+13.38%) Land $63,200 Building $372,400 |
| 2024 | $7,612.00 (+9.95%) | ||
| 2023 | $6,923.00 (+34.74%) | $384,200 (+15.27%) Land $57,500 Building $326,700 | $384,200 (+15.27%) Land $57,500 Building $326,700 |
| 2022 | $5,138.00 | $333,300 Land $51,800 Building $281,500 | $333,300 Land $51,800 Building $281,500 |
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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