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

Osceola County property record for 641 Michigan Estates Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,870 sqft · built 2010
Lot Size	0.174 acres (7,579 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Jul 2017)
Tax Bill	$3,191 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-26-30-0222-0001-0540`

Property Details

APN / Parcel Number

Primary APN	`12-26-30-0222-0001-0540`
Alternative APNs	`263012022200010540` `148029`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,870 sqft Living Area
Gross Area	2,498 sqft
1st Floor Area	1,870 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,579 sqft (0.174 acres)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	641 MICHIGAN ESTATES CIR
City	SAINT CLOUD
State	FL
Zip	34769-5337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MICHIGAN ESTATES PB 19 PG 85-88 LOT 54
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	MICHIGAN ESTATES
Legal Tract	222
Legal Block	540
Legal Lot Number	54
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2046
Census Tract	43303

Owner

641 Michigan Estates Cir is owned and occupied by an individual who acquired it in April 2020.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	641 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5337
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

Date	Document
May 20, 2021	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Apr 27, 2020	Quit Claim Deed · FHA Mortgage LAKEVIEW LN SERVICING
Jul 20, 2017	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2017 · Amount on File
Deed Sale	Jul 20, 2017 · Amount on File
Prior Sale	Jun 18, 2010 · Amount on File
Deed Document Number	2017105509
Deed Book / Page	5181 / 2927
Last Transfer Date	Apr 3, 2020
Transfer Doc	0057140206
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	641 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5337
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 NICHIGAN ESTATES CIRCLE, SAINT CLOUD, FL 34769

Mortgage

Document Number	0059630606
Date	May 20, 2021
Book Page	5963/606
Instrument	2021078485

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

April 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2020
Property Address	641 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5337
Document Number	0057140204
Book / Page	005714 / 000204
Instrument Date	Apr 3, 2020
Instrument	57051
Record Updated	Jun 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 MICHIGAN ESTATES CIR ST CLOUD FL 347695337, ST CLOUD, FL 34769-5337

Mortgage

Document Number	57140206
Date	Apr 27, 2020
Book Page	005714/000206
Instrument	57052

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2017
Property Address	641 MICHIGAN ESTATES CIR, SAINT CLOUD, FL 34769-5337
Document Number	0051812927
Book / Page	005181 / 002927
Instrument Date	Jul 18, 2017
Instrument	105509
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	641 MICHIGAN ESTATES CIR ST CLOUD FL 347695337, ST CLOUD, FL 34769-5337

Mortgage

Document Number	51812929
Date	Jul 20, 2017
Book Page	005181/002929
Instrument	105510

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 641 Michigan Estates Cir was $3,191 with a homeowner's exemption, up 3.6% from the year before.

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	$3,191.00 (+3.57%) Homeowner's exemption	$221,183 (+2.9%)	$307,200 (-3.67%) Land $75,000 Building $232,200
2024	$3,081.00 (+2.73%) Homeowner's exemption	$214,950 (+3%)	$318,900 (+10.88%) Land $75,000 Building $243,900
2023	$2,999.00 (+3.7%) Homeowner's exemption	$208,690 (+3%)	$287,600 (+8.36%) Land $65,000 Building $222,600
2022	$2,892.00 Homeowner's exemption	$202,612	$265,400 Land $60,000 Building $205,400

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

Flood

FEMA maps place 641 Michigan Estates Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 641 Michigan Estates Cir is low, with a 0.05% annual chance of 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

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 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
CenturyLink DSL	140 / 20

May also be available: Verizon.

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