Osceola County property record for 490 Michigan Estates Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,448 sqft · built 2009 |
| Lot Size | 0.178 acres (7,754 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,000 (Apr 2020) |
| Tax Bill | $4,159 (2025) |
| Deeds & Mortgages | Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 148005 |
| Primary APN | 148005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,448 sqft Heated Area |
| Gross Area | 3,306 sqft |
| 1st Floor Area | 1,436 sqft |
| Upper Floors Area | 1,012 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,754 sqft (0.178 acres) |
| Lot Dimensions | 124 ft deep x 63 ft wide |
| Garage Type | Finished |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 208 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 148005 |
|---|---|
| Street Address | 490 MICHIGAN ESTATES CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | MICHIGAN ESTATES PB 19 PG 85-88 LOT 30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 12 |
| Legal Subdivision | MICHIGAN ESTATES |
| Legal Tract | 222 |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 43303 |
490 Michigan Estates Cir is owned and occupied by an individual who bought it in April 2020.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1762 BLISSFUL DR, KISSIMMEE, FL 34744-6154 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2020 · Amount on File |
| Deed Sale | Apr 20, 2020 · Amount on File |
| Prior Sale | Oct 7, 2009 · Amount on File |
| Deed Document Number | 2020053384 |
| Deed Book / Page | 5710 / 607 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 20, 2020 |
| Property Address | 490 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5318 |
| Document Number | 0057100607 |
| Book / Page | 5710 / 607 |
| Map Reference | MB 19 PG 85-88 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 2020053384 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | EQUITABLE TTL OF CELEBRATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,093.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 622 MARAVILLA AVE, 622, SEBRING, FL 33875-5740 |
| Name | Verified Name |
|---|---|
| Address | 490 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5318 |
| Document Number | 0057100609 |
|---|---|
| Date | Apr 20, 2020 |
| Instrument | 5710/0609 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 490 Michigan Estates Cir was $4,159 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 | $4,159.00 Homeowner's exemption | $275,256 | $349,900 Land $75,000 Building $274,900 |
| 2023 | $3,918.00 (+3.54%) Homeowner's exemption | $259,708 (+3%) | $328,800 (+8.34%) Land $65,000 Building $263,800 |
| 2022 | $3,784.00 Homeowner's exemption | $252,144 | $303,500 Land $60,000 Building $243,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 490 Michigan Estates Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 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 risk around 490 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 Risk | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
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 33 locations within half a mile, as of December 31, 2025
| Provider | Max 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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