613 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 613 Michigan Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1925
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jun 2025)
Tax Bill	$3,938 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`76988`

Property Details

APN / Parcel Number

Primary APN	`76988`
Alternative APN	`012630000100520190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,280 sqft Heated Area
Gross Area	1,480 sqft
1st Floor Area	874 sqft
Upper Floors Area	406 sqft
Flooring	Tile
Interior Walls	Paneling

Exterior

Year Built	Built 1925
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	288 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool House	72 sqft
Porch	Porch
Porch Area	200 sqft
Deck Area	672 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76988
Street Address	613 MICHIGAN AVE
City	SAINT CLOUD
State	FL
Zip	34769-2946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 52 LOTS 18-21 1/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	52
Legal Lot Number	18 19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3034
Census Tract	43500

Owner

Source: Osceola County records · APN 76988

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	613 MICHIGAN AVE, SAINT CLOUD, FL 34769-2946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 25, 2021	Warranty Deed, Transfer · Commercial Mortgage HOMETOWN EQUITY MORTGAGE
Feb 02, 2021	Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, ORLANDO TTL PROFESSIONALS LL
Jan 28, 2021	Warranty Deed, Transfer CELEBRATION TITLE GROUP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 19, 2025 · Amount on Record
Deed Sale	Jun 19, 2025 · Amount on Record
Prior Sale	Jun 25, 2021 · Amount on Record
Deed Document Number	2025076791
Deed Book / Page	6806 / 854
Record Updated	Jun 08, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 19, 2025
Property Address	613 MICHIGAN AVE, SAINT CLOUD, FL 34769-2946
Document Number	0068060854
Book / Page	6806 / 854
Map Reference	MB B PG 33&34
Instrument Date	Jun 16, 2025
Instrument	2025076791
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1807 CYPRESS AVE, SAINT CLOUD, FL 34769-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 MICHIGAN AVE, SAINT CLOUD, FL 34769-2946

Mortgage

Document Number	0006806856
Date	Jun 19, 2025
Instrument	6806/856

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2055

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 25, 2021
Property Address	613 MICHIGAN AVE, SAINT CLOUD, FL 34769-2946
Document Number	0059890322
Book / Page	5989 / 322
Map Reference	MB B PG 33&34
Instrument Date	Jun 09, 2021
Instrument	2021099549
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,733.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3005 VILLA PRECIOSA DR, 3005, KISSIMMEE, FL 34744-4122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1807 CYPRESS AVE, SAINT CLOUD, FL 34769-2205

Mortgage

Document Number	5989324
Date	Jun 25, 2021
Instrument	5989/324

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 02, 2021
Property Address	613 MICHIGAN AVE, SAINT CLOUD, FL 34769-2946
Document Number	0058830583
Book / Page	5883 / 583
Map Reference	MB B PG 33&34
Instrument Date	Jan 21, 2021
Instrument	2021015285
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	ORLANDO TITLE PROFESSIONALS LL, ORLANDO TTL PROFESSIONALS LL

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	618 E SOUTH ST # ST500, 618, ORLANDO, FL 32801-2986

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3005 VILLA PRECIOSA DR, KISSIMMEE, FL 34744-4122

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2021
Property Address	613 MICHIGAN AVE, SAINT CLOUD, FL 34769-2946
Document Number	0058791685
Book / Page	5879 / 1685
Map Reference	MB B PG 33&34
Instrument Date	Jan 21, 2021
Instrument	2021012754
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$659.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	619 MICHIGAN AVE, 619, SAINT CLOUD, FL 34769-2946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 E SOUTH ST STE 500, 500, ORLANDO, FL 32801-2986

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,938.00 (+15.72%)	$219,800 (+12.6%) Land $63,200 Building $156,600	$219,800 (+12.6%) Land $63,200 Building $156,600
2023	$3,403.00 (+11.61%)	$195,200 (+15.5%) Land $57,500 Building $137,700	$195,200 (+15.5%) Land $57,500 Building $137,700
2022	$3,049.00	$169,000 Land $51,800 Building $117,200	$169,000 Land $51,800 Building $117,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 40 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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, availability as of December 31, 2025 · Published October 2026 · based on 458 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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