Osceola County property record for 1809 Westerham Ave, Saint Cloud, FL 34771 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2020 |
| Square Footage | 2,565 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $475,000 (2024) |
| Tax Bill | $6,243.00 (2024) |
| Primary APN | 04-26-31-0173-0001-1830 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,565 sqft Living Area |
| Gross Area | 3,576 sqft Gross Area |
| 1st Floor | 2,565 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 | 681 sqft Garage |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1809 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 183 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK EAST PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 183 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
Source: Osceola County records · APN 04-26-31-0173-0001-1830
Assessment roll updated November 26, 2025 · Last verified June 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 | 1809 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 16, 2024 | Warranty Deed, Transfer · Veterans Administration Mortgage CHURCHILL MORTGAGE CORP |
| Dec 29, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 03, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 16, 2024 · Amount on Record |
| Deed Sale | Jan 16, 2024 · Amount on Record |
| Prior Sale | Apr 03, 2020 · Amount on Record |
| Deed Doc Number | 20245560 |
| Deed Book / Page | 6533 / 2494 |
| Prior Transfer Date | Dec 18, 2020 |
| Prior Transfer Doc | 0058600235 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 16, 2024 |
| Property Address | 1809 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0065332494 |
| Book / Page | 6533 / 2494 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | Jan 05, 2024 |
| Instrument | 2024005560 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2024 |
| Title Company | THE CLOSING BOUTIQUE LLC, THE CLOSING CITY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3496 KNIGHTS MILL DR, VALDOSTA, GA 31605-6587 |
| Name | Verified Name |
|---|---|
| Address | 1809 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0065332496 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 6533/2496 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 29, 2020 |
| Property Address | 1809 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0058600235 |
| Book / Page | 005860 / 000235 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 176243 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1809 WESTERHAM AVE ST CLOUD FL 347717691, ST CLOUD, FL 34771-7691 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 03, 2020 |
| Property Address | 1809 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0057031000 |
| Book / Page | 5703 / 1000 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | Mar 30, 2020 |
| Instrument | 2020046625 |
| 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 | $2,294.60 |
| 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 | 1809 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0057031004 |
|---|---|
| Date | Apr 03, 2020 |
| Instrument | 5703/1004 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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 | $6,580.00 (+5.4%) | $410,500 (+5.16%) Land $75,000 Building $335,500 | $410,500 (-5.46%) Land $75,000 Building $335,500 |
| 2024 | $6,243.00 (+2.5%) | ||
| 2023 | $6,091.00 (+0.64%) Homeowner's exemption Disabled Person's exemption Widower's exemption | $390,370 (+3%) | $434,200 (+14.56%) Land $65,000 Building $369,200 |
| 2022 | $6,052.00 Homeowner's exemption Disabled Person's exemption Widower's exemption | $379,000 Land $65,000 Building $314,000 | $379,000 Land $65,000 Building $314,000 |
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.
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