Osceola County property record for 904 Michigan Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,447 sqft · built 1990 |
| Lot Size | 0.037 acres (1,611 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Sep 2025) |
| Tax Bill | $950 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Sep 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-26-30-0013-0001-0150 |
| Primary APN | 02-26-30-0013-0001-0150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,447 sqft Living Area |
| Gross Area | 1,931 sqft |
| 1st Floor Area | 1,177 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,611 sqft (0.037 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Porch | Florida Room |
| Porch Area | 318 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 904 MICHIGAN AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | BRODAN SQUARE PHASE 2 PB 6 PG 138 LOT 15 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | BRODAN SQUARE PH 2 |
| Legal Phase | 2 |
| Legal Tract | 13 |
| Legal Block | 150 |
| Legal Lot Number | 15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 43500 |
Source: Osceola County records, as of November 26, 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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 23 FLORIDA AVE, SAINT CLOUD, FL 34769-2346 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Mar 21, 2023 | Deed of Trust, Mortgage · Line of Credit MOVEMENT MORTGAGE |
| Sep 22, 2025 | Warranty Deed, Transfer · Conventional Mortgage SPACE COAST CU |
| May 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MORTGAGE |
| May 22, 2018 | Warranty Deed, Transfer STEWART TITLE CO |
| May 22, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on Record |
| Deed Sale | Sep 22, 2025 · Amount on Record |
| Prior Sale | May 22, 2018 · Amount on Record |
| Deed Document Number | 2025116744 |
| Deed Book / Page | 6851 / 2473 |
| Prior Transfer Date | Jul 12, 1999 |
| Prior Transfer Doc | 1647001058 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 904 MICHIGAN AVE, SAINT CLOUD, FL 34769-3426 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 904 MICHIGAN AVE, SAINT CLOUD, FL 34769-3426 |
| Document Number | 0063732247 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | 6373/2247 |
| Instrument | 2023031826 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 11, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 22, 2025 |
| Property Address | 904 MICHIGAN AVE, SAINT CLOUD, FL 34769-3426 |
| Document Number | 0068512473 |
| Book / Page | 6851 / 2473 |
| Map Reference | MB 6 PG 138 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 2025116744 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | VIDCLOSE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9630 SILVER BUTTONWOOD ST, ORLANDO, FL 32832-5661 |
| Name | Verified Name |
|---|---|
| Address | 23 FLORIDA AVE, SAINT CLOUD, FL 34769-2346 |
| Document Number | 0068512475 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 6851/2475 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 904 MICHIGAN AVE, SAINT CLOUD, FL 34769-3426 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055321310 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 5532/1310 |
| Instrument | 2019069586 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 22, 2018 |
| Property Address | 904 MICHIGAN AVE, SAINT CLOUD, FL 34769-3426 |
| Document Number | 0053372816 |
| Book / Page | 5337 / 2816 |
| Map Reference | MB6 PG138 |
| Instrument Date | May 21, 2018 |
| Instrument | 2018080416 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,123.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 202 CHANNEL MARKER LOOP, 202, SWANSBORO, NC 28584-7728 |
| Name | Verified Name |
|---|---|
| Address | 804 MICHIGAN AVE, SAINT CLOUD, FL 34769-3424 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 22, 2018 |
| Property Address | 904 MICHIGAN AVE, SAINT CLOUD, FL 34769-3426 |
| Document Number | 0053372817 |
| Book / Page | 005337 / 002817 |
| Instrument Date | May 21, 2018 |
| Instrument | 80417 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2018 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 904 MICHIGAN AVE ST CLOUD FL 347693426, ST CLOUD, FL 34769-3426 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $950.00 (+4.4%) | $95,990 (+2.9%) | $184,600 (-2.02%) Land $25,000 Building $159,600 |
| 2024 | $910.00 (+4.36%) Homeowner's exemption | $93,285 (+3%) | $188,400 (+4.26%) Land $25,000 Building $163,400 |
| 2023 | $872.00 (+5.7%) Homeowner's exemption | $90,568 (+3%) | $180,700 (+11.96%) Land $14,900 Building $165,800 |
| 2022 | $825.00 Homeowner's exemption | $87,931 | $161,400 Land $14,900 Building $146,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1983–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2003 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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