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518 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 518 Michigan Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,328 sqft · built 1975
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$198,000 (Dec 2018)
Tax Bill$3,269 (2025)
Deeds & MortgagesMay 2021 Mortgage
Mar 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN76551

Property Details

APN / Parcel Number

Primary APN76551
Alternative APN
  • 012630000100080070

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,328 sqft Heated Area
Gross Area1,748 sqft
1st Floor Area1,052 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1995
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Lot Dimensions150 ft deep x 50 ft wide

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area160 sqft
PorchEnclosed Porch
Porch Area648 sqft
Deck Area218 sqft
Patio Area350 sqft
FenceFence
Shed1 Shed
Shed Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number76551
Street Address518 MICHIGAN AVE
CitySAINT CLOUD
StateFL
Zip34769-2945
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 33/34 BLK 8 LOTS 7 & 8 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block8
Legal Lot Number2,7-8 8
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3026
Census Tract43500

Owner

518 Michigan Ave is owned and occupied by an individual who bought it in December 2018.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address518 MICHIGAN AVE, SAINT CLOUD, FL 34769-2945
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 6, 2021Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Mar 18, 2020Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Dec 27, 2018Warranty Deed, Transfer · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 27, 2018 · Amount on File
Deed SaleDec 27, 2018 · Amount on File
Prior SaleSep 17, 2008 · Amount on File
Deed Document Number2018188152
Deed Book / Page5455 / 0529
Record UpdatedJun 8, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address518 MICHIGAN AVE, SAINT CLOUD, FL 34769-2945
Transaction TypeMortgage
Record UpdatedMay 26, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address518 MICHIGAN AVE, SAINT CLOUD, FL 34769-2945

Mortgage

Document Number0059521131
DateMay 6, 2021
Book Page5952/1131
Instrument2021069697
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term347 Months
DueApr 1, 2050

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address518 MICHIGAN AVE, SAINT CLOUD, FL 34769-2945
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056941829
DateMar 18, 2020
Book Page5694/1829
Instrument2020039220
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2050

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 27, 2018
Property Address518 MICHIGAN AVE, SAINT CLOUD, FL 34769-2945
Document Number0054550529
Book / Page5455 / 0529
Map ReferenceMB B PG 33&34
Instrument DateDec 3, 2018
Instrument2018188152
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyPUBLIC TITLE SERVICES LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,386.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2113 PEACH TREE BLVD, 2113, SAINT CLOUD, FL 34769-1610

Transferred To (Grantee/Buyer)

NameVerified Name
Address518 MICHIGAN AVE, SAINT CLOUD, FL 34769-2945

Mortgage

Document Number2018188153
DateDec 27, 2018
Instrument2018188153
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 518 Michigan Ave was $3,269 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,269.00 Homeowner's exemption$177,753$300,500 Land $46,800 Building $253,700
2023$3,127.00 (+2.86%) Homeowner's exemption$167,713 (+3%)$274,000 (+11.25%) Land $42,500 Building $231,500
2022$3,040.00 Homeowner's exemption$162,829$246,300 Land $35,100 Building $211,200

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

Flood

FEMA maps place 518 Michigan Ave in Zone X, an area of minimal 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 40 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 in force
Nearby Flood Claims3 (1995–2022)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 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

Wildfire risk around 518 Michigan Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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