625 Michigan Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 625 Michigan Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,366 sqft · built 1980
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Oct 2024)
Tax Bill	$3,795 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`76986`

Property Details

APN / Parcel Number

Primary APN	`76986`
Alternative APN	`012630000100520130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,366 sqft Heated Area
Gross Area	1,646 sqft
1st Floor Area	1,366 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Detached - Unfinished
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Patio Area	120 sqft
Fence	Fence
Shed	1 Shed
Shed Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76986
Street Address	625 MICHIGAN AVE
City	SAINT CLOUD
State	FL
Zip	34769-2946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 52 LOTS 13, 14 & S 15 FT LOT 15 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	1,13-15 14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3034
Census Tract	43500

Owner

625 Michigan Ave is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	625 MICHIGAN AVE, SAINT CLOUD, FL 34769-2946
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2024 · Amount on File
Deed Sale	Oct 17, 2024 · Amount on File
Deed Document Number	2024132259
Deed Book / Page	6680 / 1969
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	625 MICHIGAN AVE, SAINT CLOUD, FL 34769-2946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055470099
Date	Jun 25, 2019
Book Page	5547/0099
Instrument	2019081871

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 24, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 625 Michigan Ave was $3,795 with a homeowner's exemption.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,795.00 Homeowner's exemption	$254,900 Land $55,000 Building $199,900	$254,900 Land $55,000 Building $199,900
2023	$619.00 (+5.27%) Homeowner's exemption	$76,550 (+3%)	$197,300 (+11.91%) Land $50,000 Building $147,300
2022	$588.00 Homeowner's exemption	$74,321	$176,300 Land $45,000 Building $131,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 625 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

Wildfire risk around 625 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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