640 Michigan Estates Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 640 Michigan Estates Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,680 sqft · built 2008
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$461,000 (Sep 2023)
Tax Bill	$6,003 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`12-26-30-0222-0001-0450`

Property Details

APN / Parcel Number

Primary APN	`12-26-30-0222-0001-0450`
Alternative APNs	`263012022200010450` `148020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,680 sqft Living Area
Gross Area	3,420 sqft
1st Floor Area	2,680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	640 MICHIGAN ESTATES CIR
City	SAINT CLOUD
State	FL
Zip	34769-5330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MICHIGAN ESTATES PB 19 PG 85-88 LOT 45
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	MICHIGAN ESTATES
Legal Tract	222
Legal Block	450
Legal Lot Number	45
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2039
Census Tract	43303

Owner

Source: Osceola County assessment roll, as of November 26, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Jun 30, 2023	Correction Deed
Jun 21, 2023	Warranty Deed, Transfer OS NATIONAL LLC
Nov 21, 2018	Warranty Deed, Transfer
May 18, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Prior Sale	Jun 21, 2023 · Amount on Record
Deed Document Number	2023119187
Deed Book / Page	6471 / 2790
Prior Transfer Date	Nov 21, 2018
Prior Transfer Doc	0054362540
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330
Investor	Possibly a Property Investor

Mortgage

Document Number	0062442697
Date	Jul 5, 2022
Book Page	6244/2697
Instrument	2022103395

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2023
Property Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330
Document Number	0064712790
Book / Page	6471 / 2790
Map Reference	MB 19 PG 85-88
Instrument Date	Sep 8, 2023
Instrument	2023119187
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,227.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330

Mortgage

Document Number	0064712792
Date	Sep 11, 2023
Instrument	6471/2792

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

June 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2023
Property Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330
Document Number	0064331727
Book / Page	6433 / 1727
Map Reference	MB 19 PG 85-88
Instrument Date	Jun 27, 2023
Instrument	2023084785
Record Updated	Jul 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 21, 2023
Property Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330
Document Number	0064281044
Book / Page	6428 / 1044
Map Reference	MB 19 PG 85-88
Instrument Date	Jun 20, 2023
Instrument	2023080195
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,948.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2018
Property Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330
Document Number	0054362540
Book / Page	005436 / 002540
Instrument Date	Nov 21, 2018
Instrument	171526
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	640 ICHIGAN ESTATES CIR ST CLOUD FL 34769, ST CLOUD, FL 34769

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	640 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5330
Document Number	0051681397
Instrument Date	May 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 MICHIGAN ESTATES CIR ST CLOUD FL 347695330, ST CLOUD, FL 34769-5330

Mortgage

Document Number	0051681397
Date	Jun 22, 2017
Book Page	005168/001397
Instrument	91533

Lender

Name	WELLS FARGO BK
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jun 21, 2057

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$6,003.00 (-4.26%)	$378,300 (+158.9%) Land $75,000 Building $303,300	$378,300 (+6.23%) Land $75,000 Building $303,300
2024	$6,270.00 (+234.94%)
2023	$1,872.00 (+4.17%) Homeowner's exemption	$146,121 (+3%)	$356,100 (+8.27%) Land $65,000 Building $291,100
2022	$1,797.00 Homeowner's exemption	$141,866	$328,900 Land $60,000 Building $268,900

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

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Lumen Technologies DSL	140 / 20

May also be available: Verizon.

Nearby Properties on Michigan Estates Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures