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1812 Westerham Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1812 Westerham Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2020
Square Footage2,434 sqft Heated Area
Lot Size9,583 sqft (0.219 acres)
OccupancyOwner Occupied
Last Sale$477,000 (2023)
Tax Bill$4.00 (2025)

Property Details

APN / Parcel Number

Primary APN042631017300011740

Interior

Bedrooms3 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Building Area2,434 sqft Heated Area
Gross Area3,475 sqft Gross Area
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,583 sqft (0.219 acres)
Garage TypeFinished Garage
FenceFence
PorchOpen Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1812 WESTERHAM AVE
CitySAINT CLOUD
StateFL
Zip34771-7626
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 174
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionLANCASTER PARK
Legal Phase2
Legal Tract173
Legal Lot Number174
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3026
Census Tract43700

Owner

Source: Osceola County records · APN 042631017300011740

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1812 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 02, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
NAVY FCU
Jun 13, 2022Deed of Trust, Mortgage · Stand Alone Second Mortgage
LAKEVIEW COMMUNITY CAPITAL LLC
Apr 23, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
LAKEVIEW COMMUNITY CAPITAL LLC
Feb 28, 2020Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 02, 2023 · Amount on Record
Deed SaleAug 02, 2023 · Amount on Record
Prior SaleFeb 28, 2020 · Amount on Record
Deed Doc Number2023099954
Deed Book / Page6450 / 1944
Record RefreshedJun 08, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 02, 2023
Property Address1812 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
Document Number0064501944
Book / Page6450 / 1944
Map ReferenceMB 27 PG 87
Instrument DateJul 31, 2023
Instrument2023099954
Transaction TypeTransfer
Record UpdatedAug 15, 2023
Title CompanyPUBLIC TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,339.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address26918 JUNIPER BAY DR, WESLEY CHAPEL, FL 33544-7925

Transferred To (Grantee/Buyer)

NameVerified Name
Address8883 BACKSPIN LN, CHAMPIONS GATE, FL 33896-5567

Mortgage

Document Number0064501946
DateAug 02, 2023
Instrument6450/1946
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2053

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1812 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
Transaction TypeMortgage
Record UpdatedJun 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1812 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626

Mortgage

Document Number0062320995
DateJun 13, 2022
Book Page6232/995
Instrument2022092583
Lender
NameLAKEVIEW COMMUNITY CAPITAL LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term241 Months
DueJul 01, 2042

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1812 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1812 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626

Mortgage

Document Number0059431007
DateApr 23, 2021
Book Page5943/1007
Instrument2021062609
Lender
NameLAKEVIEW COMMUNITY CAPITAL LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

February 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 28, 2020
Property Address1812 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
Document Number0056821254
Book / Page5682 / 1254
Map ReferenceMB 27 PG 87
Instrument DateFeb 20, 2020
Instrument2020029150
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,428.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

NameVerified Name
Address1812 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626

Mortgage

Document Number0056821258
DateFeb 28, 2020
Instrument5682/1258
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4.00 (-99.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$369,693 (+27.88%)$402,800 (-5.18%) Land $78,800 Building $324,000
2023$4,447.00 (+3.44%) Homeowner's exemption$289,095 (+3%)$424,800 (+14.22%) Land $68,200 Building $356,600
2022$4,299.00 Homeowner's exemption$280,675$371,900 Land $68,200 Building $303,700

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskModerate
above 69% of the US · above 49% of Florida
Wildfire LikelihoodAbout 1 in 304 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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