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

Osceola County property record for 732 Michigan Ct, Unit 3, Saint Cloud, FL 34769

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 784 sqft · built 1972
Lot Size	0.009 acres (392 sqft)
Owner	Individual Name on File
Last Sale	$122,500 (Mar 2026)
Tax Bill	$1,979 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-0609-0732-0030`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0609-0732-0030`
Alternative APNs	`263011060907320030` `83825`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	5 Units
Stories	1 Story
Building Area	784 sqft Living Area
Gross Area	856 sqft
1st Floor Area	784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	392 sqft (0.009 acres)
Lot Dimensions	28 ft deep x 28 ft wide
Porch	Finished/Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	732 MICHIGAN CT, 3
City	SAINT CLOUD
State	FL
Zip	34769-5276
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SR3
Legal Description	PALM GARDENS CONDO CB 3 PGS 9-11 BLDG 732 UNIT 3
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	PALM GARDENS CONDO
Legal Tract	609
Legal Block	732
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43303

Owner

732 Michigan Ct, Unit 3 is owned and occupied by an individual who bought it in March 2026.

Source: Osceola County records, as of March 27, 2026

Owner of Record	Individual Name on File
Mailing Address	732 MICHIGAN CT, 3, SAINT CLOUD, FL 34769-5276
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2026 · Amount on File
Deed Sale	Mar 11, 2026 · Amount on File
Prior Sale	Jul 19, 2021 · Amount on File
Deed Document Number	202631954
Deed Book / Page	6935 / 1655
Prior Transfer Date	Oct 23, 2015
Prior Transfer Doc	0048630465
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 11, 2026
Property Address	732 MICHIGAN CT UNIT 3, 3, SAINT CLOUD, FL 34769-5276
Document Number	0069351655
Book / Page	6935 / 1655
Map Reference	MB 3 PG 9-11
Instrument Date	Mar 6, 2026
Instrument	2026031954
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$857.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3681 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 MICHIGAN CT UNIT 3, 3, SAINT CLOUD, FL 34769-5276

Mortgage

Document Number	0069351657
Date	Mar 11, 2026
Instrument	6935/1657

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 732 Michigan Ct, Unit 3 was $1,979, up 2.3% 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	$1,979.00 (+2.33%)	$112,700 Building $112,700	$112,700 Building $112,700
2024	$1,934.00 (+11.15%)
2023	$1,740.00 (+17.25%)	$110,200 (+33.74%) Building $110,200	$110,200 (+33.74%) Building $110,200
2022	$1,484.00	$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 732 Michigan Ct, Unit 3 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 732 Michigan Ct, Unit 3 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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