696 Michigan Ct, Unit 1, Saint Cloud, FL 34769 Property Records

Osceola County property record for 696 Michigan Ct, Unit 1, Saint Cloud, FL 34769

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 784 sqft · built 1972
Lot Size	0.008 acres (392 sqft)
Owner	Company Name on File
Last Sale	$120,000 (Sep 2022)
Tax Bill	$2,017 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83687`

Property Details

APN / Parcel Number

Primary APN	`83687`
Alternative APN	`112630060906960010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	784 sqft Heated Area
Gross Area	856 sqft
1st Floor Area	784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	392 sqft (0.008 acres)
Lot Dimensions	28 ft deep x 28 ft wide
Porch	Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83687
Street Address	696 MICHIGAN CT UNIT 1, 1
City	SAINT CLOUD
State	FL
Zip	34769-5243
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SR3
Legal Description	PALM GARDENS CONDO CB 3 PGS 9-11 BLDG 696 UNIT 1
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	PALM GARDENS CONDO
Legal Tract	609
Legal Block	696
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2035
Census Tract	43303

Owner

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	Company Name on File
Mailing Address	5630 BREEZY PALM PL, SAINT CLOUD, FL 34771-7480
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Warranty Deed, Transfer E FONT HOME INVESTMENT LLC
Jul 2, 2018	Warranty Deed, Transfer · Commercial Mortgage PRIVATE EQUITY SOLUTION LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	Jul 2, 2018 · Amount on File
Deed Document Number	2022138505
Deed Book / Page	6284 / 1065
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 12, 2022
Property Address	696 MICHIGAN CT UNIT 1, 1, SAINT CLOUD, FL 34769-5243
Document Number	0062841065
Book / Page	6284 / 1065
Map Reference	MB 1054 PG 52
Instrument Date	Jul 8, 2022
Instrument	2022138505
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	HQ TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7800 HOOSIER PL, ORLANDO, FL 32807-8309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5630 BREEZY PALM PL, SAINT CLOUD, FL 34771-7480

Mortgage

Document Number	0062842052
Date	Sep 13, 2022
Book Page	6284/2052
Instrument	2022138869

Lender

Name	E FONT HOME INVESTMENT LLC
Type	Non-Lending Institution
Address	KISSIMMEE, FL 34744

Agreement

Amount	Amount on Record

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2018
Property Address	696 MICHIGAN CT APT 1, 1, SAINT CLOUD, FL 34769-5243
Document Number	0053600477
Book / Page	5360 / 0477
Map Reference	MB1054 PG52
Instrument Date	Jun 29, 2018
Instrument	2018101323
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 BRICKELL AVE STE 335, 1000, MIAMI, FL 33131-3046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7127 HARBOR HEIGHTS CIR # 7127, 7127, ORLANDO, FL 32835-1886

Mortgage

Document Number	0053600480
Date	Jul 2, 2018
Book Page	5360/0480
Instrument	2018101324

Lender

Name	PRIVATE EQUITY SOLUTION LLC
Type	Non-Lending Institution
Address	MIAMI, FL 33131

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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	$2,017.00 (+1.66%)	$112,700 (+2.27%) Building $112,700	$112,700 (+2.27%) Building $112,700
2023	$1,984.00 (+36.73%)	$110,200 (+33.74%) Building $110,200	$110,200 (+33.74%) Building $110,200
2022	$1,451.00	$82,400 Building $82,400	$82,400 Building $82,400

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

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
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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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