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705 Michigan Ct, Unit 3, Saint Cloud, FL 34769 Property Records

Osceola County property record for 705 Michigan Ct, Unit 3, Saint Cloud, FL 34769

Property Summary

Property TypeCondominium
Details2 bd · 1 ba · 784 sqft · built 1972
Lot Size0.008 acres (392 sqft)
OwnerIndividual Name on Record
Last Sale$125,000 (Feb 2025)
Tax Bill$1,934 (2025)
Deeds & MortgagesAug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN83717

Property Details

APN / Parcel Number

Primary APN83717
Alternative APN
  • 112630060907050030

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area784 sqft Heated Area
Gross Area856 sqft
1st Floor Area784 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area392 sqft (0.008 acres)
Lot Dimensions28 ft deep x 28 ft wide
PorchOpen Porch
Porch Area72 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number83717
Street Address705 MICHIGAN CT UNIT 3, 3
CitySAINT CLOUD
StateFL
Zip34769-5226
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeSR3
Legal DescriptionPALM GARDENS CONDO CB 3 PGS 9-11 BLDG 705 UNIT 3
Legal Range30E
Legal Township26S
Legal Section11
Legal SubdivisionPALM GARDENS CONDO
Legal Tract609
Legal Block705
Legal Lot Number3
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2023
Census Tract43303

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 RecordIndividual Name on Record
Mailing Address5505 MARBLE CT, SAINT CLOUD, FL 34772-6524
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 20, 2025 · Amount on Record
Deed SaleFeb 20, 2025 · Amount on Record
Prior SaleAug 15, 2018 · Amount on Record
Deed Document Number2025022098
Deed Book / Page6743 / 817
Record UpdatedJun 8, 2026

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 15, 2018
Property Address705 MICHIGAN CT APT 3, 3, SAINT CLOUD, FL 34769-5226
Document Number0053851103
Book / Page5385 / 1103
Map ReferenceOR1054 PG52
Instrument DateAug 9, 2018
Instrument2018124583
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyWATSON TITLE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$560.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address1151 HIDDEN HARBOR LN, KISSIMMEE, FL 34746-3627

Mortgage

Document Number2018124584
DateAug 15, 2018
Instrument2018124584
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,934.00 (+13.56%)$112,700 (+2.27%) Building $112,700$112,700 (+2.27%) Building $112,700
2023$1,703.00 (+17.37%)$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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 38 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies38 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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