Osceola County property record for 1807 Westerham Ave, Saint Cloud, FL 34771 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2020 |
| Square Footage | 2,932 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $475,000 (2026) |
| Tax Bill | $7,605.00 (2025) |
| Primary APN | 04-26-31-0173-0001-1840 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,932 sqft Living Area |
| Gross Area | 3,815 sqft Gross Area |
| 1st Floor | 2,932 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached Garage |
| Garage Area | 488 sqft Garage |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1807 WESTERHAM AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7691 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 184 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK EAST PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 184 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
Source: Osceola County records · APN 04-26-31-0173-0001-1840
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1807 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jul 31, 2026 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 24, 2025 | Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| May 26, 2023 | Warranty Deed, Transfer EXPERTS TITLE TEAM LLC, THE EXPERTS TITLE TEAM LLC |
| May 12, 2020 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on Record |
| Deed Sale | Jul 31, 2026 · Amount on Record |
| Prior Sale | Sep 24, 2025 · Amount on Record |
| Deed Doc Number | 2026100143 |
| Deed Book / Page | 7012 / 2509 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 31, 2026 |
| Property Address | 1807 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0000100143 |
| Book / Page | 7012 / 2509 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 2026100143 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2026 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $335,825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1807 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0000100144, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 2026100144 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2025 |
| Property Address | 1807 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0068521435 |
| Book / Page | 6852 / 1435 |
| Map Reference | MB 27 PG 8792 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025117302 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24342 CONEJO APT 6, 6, LAGUNA HILLS, CA 92656-3176 |
| Name | Verified Name |
|---|---|
| Address | 3005 ELBIB DR, SAINT CLOUD, FL 34772-8591 |
| Document Number | 0068521437 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | 6852/1437 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 26, 2023 |
| Property Address | 1807 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0064141655 |
| Book / Page | 6414 / 1655 |
| Map Reference | MB 27 PG 87-92 |
| Instrument Date | May 24, 2023 |
| Instrument | 2023068028 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | EXPERTS TITLE TEAM LLC, THE EXPERTS TITLE TEAM LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1807 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Name | Verified Name |
|---|---|
| Address | 2113 VIA PUERTA UNIT N, N, LAGUNA WOODS, CA 92637-2451 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 12, 2020 |
| Property Address | 1807 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0057211077 |
| Book / Page | 5721 / 1077 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | May 12, 2020 |
| Instrument | 2020063376 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,352.70 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088 |
| Name | Verified Name |
|---|---|
| Address | 807 WESTERHAM AVE, SAINT CLOUD, FL 34771 |
| Document Number | 0057211081 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 5721/1081 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,605.00 (-6.04%) | $424,700 (-6.31%) Land $75,000 Building $349,700 | $424,700 (-6.31%) Land $75,000 Building $349,700 |
| 2024 | $8,094.00 (+19.15%) | $453,300 (+4.4%) Land $70,000 Building $383,300 | $453,300 (+4.4%) Land $70,000 Building $383,300 |
| 2023 | $6,793.00 (+15.04%) | $434,200 (+17.7%) Land $65,000 Building $369,200 | $434,200 (+17.7%) Land $65,000 Building $369,200 |
| 2022 | $5,905.00 | $368,900 Land $65,000 Building $303,900 | $368,900 Land $65,000 Building $303,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 304 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures