Osceola County property record for 610 Michigan Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 980 sqft · built 1966 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,000 (Jan 2019) |
| Tax Bill | $1,913 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76972 |
| Primary APN | 76972 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 980 sqft Heated Area |
| Gross Area | 1,490 sqft |
| 1st Floor Area | 980 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plaster |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
|---|---|
| Porch Area | 186 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76972 |
|---|---|
| Street Address | 610 MICHIGAN AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2947 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 51 LOTS 5, 6 & 7 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 51 |
| Legal Lot Number | 2,5-7 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 43500 |
610 Michigan Ave is owned and occupied by an individual who bought it in January 2019.
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 610 MICHIGAN AVE, SAINT CLOUD, FL 34769-2947 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage FIRST HOME BANK |
| Jan 2, 2019 | Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 2, 2019 · Amount on File |
| Deed Sale | Jan 2, 2019 · Amount on File |
| Prior Sale | Jul 1, 2002 · Amount on File |
| Deed Document Number | 2019000270 |
| Deed Book / Page | 5457 / 1204 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 610 MICHIGAN AVE, SAINT CLOUD, FL 34769-2947 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057601256 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 5760/1256 |
| Instrument | 2020096205 |
| Name | FIRST HOME BANK |
|---|---|
| Type | Bank |
| Address | SEMINOLE, FL 33772 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 2, 2019 |
| Property Address | 610 MICHIGAN AVE, SAINT CLOUD, FL 34769-2947 |
| Document Number | 0054571204 |
| Book / Page | 5457 / 1204 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Dec 26, 2018 |
| Instrument | 2019000270 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,148.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 610 MICHIGAN AVE, 610, SAINT CLOUD, FL 34769-2947 |
| Name | Verified Name |
|---|---|
| Address | 610 MICHIGAN AVE, SAINT CLOUD, FL 34769-2947 |
| Document Number | 2019000271 |
|---|---|
| Date | Jan 2, 2019 |
| Instrument | 2019000271 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 610 Michigan Ave was $1,913 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 | $1,913.00 Homeowner's exemption | $149,760 | $252,800 Land $55,000 Building $197,800 |
| 2023 | $1,785.00 (+4.2%) Homeowner's exemption | $141,301 (+3%) | $227,900 (+10.9%) Land $50,000 Building $177,900 |
| 2022 | $1,713.00 Homeowner's exemption | $137,186 | $205,500 Land $45,000 Building $160,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 610 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 610 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 Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 458 locations within half a mile, as of December 31, 2025
| Provider | Max 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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