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

Osceola County property record for 736 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	Individual Name on File
Last Sale	$87,000 (Mar 2022)
Tax Bill	$2,117 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83839`

Property Details

APN / Parcel Number

Primary APN	`83839`
Alternative APN	`112630060907360010`

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	Tile
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	83839
Street Address	736 MICHIGAN CT UNIT 1, 1
City	SAINT CLOUD
State	FL
Zip	34769-5279
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SR3
Legal Description	PALM GARDENS CONDO CB 3 PGS 9-11 BLDG 736 UNIT 1
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	PALM GARDENS CONDO
Legal Tract	609
Legal Block	736
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43303

Owner

736 Michigan Ct, Unit 1 is owned by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	5044 BROADSTONE RESERVE CIR APT 412, 412, SANFORD, FL 32771-0230
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2022 · Amount on File
Deed Sale	Mar 7, 2022 · Amount on File
Prior Sale	Nov 2, 2005 · Amount on File
Deed Document Number	2022036584
Deed Book / Page	6165 / 2302
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2022
Property Address	736 MICHIGAN CT UNIT 1, 1, SAINT CLOUD, FL 34769-5279
Document Number	0061652302
Book / Page	6165 / 2302
Map Reference	MB 1054 PG 52
Instrument Date	Feb 24, 2022
Instrument	2022036584
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$609.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1433 MASSA ST, KISSIMMEE, FL 34744-2773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 MICHIGAN CT APT 1, 1, SAINT CLOUD, FL 34769-5279

Mortgage

Document Number	0061652304
Date	Mar 7, 2022
Instrument	6165/2304

Lender

Name	R F A F INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	239 Months
Due	Feb 24, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 736 Michigan Ct, Unit 1 was $2,117.

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	$2,117.00	$118,300 Building $118,300	$118,300 Building $118,300
2023	$1,320.00 (+9.91%) Homeowner's exemption	$115,700 (+33.76%) Building $115,700	$115,700 (+33.76%) Building $115,700
2022	$1,201.00	$86,500 Building $86,500	$86,500 Building $86,500

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

Flood

FEMA maps place 736 Michigan Ct, Unit 1 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 736 Michigan Ct, Unit 1 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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