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

Osceola County property record for 705 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	Individual Name on File
Last Sale	$125,000 (Feb 2025)
Tax Bill	$1,934 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83718`

Property Details

APN / Parcel Number

Primary APN	`83718`
Alternative APN	`112630060907050040`

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	83718
Street Address	705 MICHIGAN CT UNIT 4, 4
City	SAINT CLOUD
State	FL
Zip	34769-5226
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SR3
Legal Description	PALM GARDENS CONDO CB 3 PGS 9-11 BLDG 705 UNIT 4
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	PALM GARDENS CONDO
Legal Tract	609
Legal Block	705
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43303

Owner

705 Michigan Ct, Unit 4 is owned by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	5505 MARBLE CT, SAINT CLOUD, FL 34772-6524
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
Feb 20, 2025	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Aug 15, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2025 · Amount on File
Deed Sale	Feb 20, 2025 · Amount on File
Prior Sale	Aug 15, 2018 · Amount on File
Deed Document Number	2025022166
Deed Book / Page	6743 / 1080
Record Updated	Jun 8, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 20, 2025
Property Address	705 MICHIGAN CT UNIT 4, 4, SAINT CLOUD, FL 34769-5226
Document Number	0067431080
Book / Page	6743 / 1080
Map Reference	MB 1054 PG 52
Instrument Date	Feb 13, 2025
Instrument	2025022166
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	WALSON TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1589 CARILLON PARK DR, OVIEDO, FL 32765-5127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5505 MARBLE CT, SAINT CLOUD, FL 34772-6524

Mortgage

Document Number	0006743746
Date	Feb 20, 2025
Instrument	6743/746

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 15, 2018
Property Address	705 MICHIGAN CT APT 4, 4, SAINT CLOUD, FL 34769-5226
Document Number	0053851288
Book / Page	5385 / 1288
Map Reference	MB1054 PG52
Instrument Date	Aug 9, 2018
Instrument	2018124617
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1151 HIDDEN HARBOR LN, KISSIMMEE, FL 34746-3627

Mortgage

Document Number	2018124618
Date	Aug 15, 2018
Instrument	2018124618

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 705 Michigan Ct, Unit 4 was $1,934.

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	$1,934.00	$112,700 Building $112,700	$112,700 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

FEMA maps place 705 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 705 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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