702 Michigan Ct, Unit 4, Saint Cloud, FL 34769 Property Records

Osceola County property record for 702 Michigan Ct, Unit 4, 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	$112,000 (Aug 2025)
Tax Bill	$1,951 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage Jun 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`83706`

Property Details

APN / Parcel Number

Primary APN	`83706`
Alternative APN	`112630060907020040`

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	83706
Street Address	702 MICHIGAN CT UNIT 4, 4
City	SAINT CLOUD
State	FL
Zip	34769-5247
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SR3
Legal Description	PALM GARDENS CONDO CB 3 PGS 9-11 BLDG 702 UNIT 4
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	PALM GARDENS CONDO
Legal Tract	609
Legal Block	702
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2035
Census Tract	43303

Owner

702 Michigan Ct, Unit 4 is owned by a company that bought it in August 2025.

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

Owner of Record	Company Name on File
Mailing Address	1776 RANGER HIGHLANDS RD, KINDRED, FL 34744-6076
Owner Type	Company

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 6, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Aug 10, 2017	Warranty Deed, Transfer FLORIDA TITLESMITH LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2025 · Amount on File
Deed Sale	Aug 28, 2025 · Amount on File
Prior Sale	May 6, 2019 · Amount on File
Deed Document Number	2025108156
Deed Book / Page	6842 / 783
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 6, 2019
Property Address	702 MICHIGAN CT APT 4, 4, SAINT CLOUD, FL 34769-5247
Document Number	0055191116
Book / Page	5519 / 1116
Map Reference	MB 1054 PG 52
Instrument Date	May 1, 2019
Instrument	2019057861
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$654.50
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	1452 SUGARBERRY LN, SAINT CLOUD, FL 34772-7424

Mortgage

Document Number	2019057862
Date	May 6, 2019
Instrument	2019057862

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 26, 2018
Property Address	702 MICHIGAN CT APT 4, 4, SAINT CLOUD, FL 34769-5247
Document Number	0053562395
Book / Page	005356 / 002395
Instrument Date	Jun 22, 2018
Instrument	98163
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$644.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	702 MICHIGAN CT #2 ST CLOUD FL 347695247, 2, ST CLOUD, FL 34769-5247

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2017
Property Address	702 MICHIGAN CT APT 4, 4, SAINT CLOUD, FL 34769-5247
Document Number	0051921646
Book / Page	005192 / 001646
Instrument Date	Aug 4, 2017
Instrument	115538
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	FLORIDA TITLESMITH LLC

Transaction

Amount	Amount on Record
Tax	$406.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1000 BRICKELL AVE #335 MIAMI FL 331313046, 335, MIAMI, FL 33131-3046

Tax Assessment & Valuation

The 2025 property tax bill for 702 Michigan Ct, Unit 4 was $1,951.

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	$1,951.00	$112,700 Building $112,700	$112,700 Building $112,700
2023	$1,717.00 (+17.28%)	$110,200 (+33.74%) Building $110,200	$110,200 (+33.74%) Building $110,200
2022	$1,464.00	$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

FEMA maps place 702 Michigan Ct, Unit 4 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 702 Michigan Ct, Unit 4 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 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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