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1814 Westerham Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1814 Westerham Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2020
Square Footage2,932 sqft Heated Area
Lot Size9,148 sqft (0.21 acres)
OccupancyOwner Occupied
Last Sale$334,100 (2020)
Tax Bill$4,611.00 (2025)

Property Details

APN / Parcel Number

Primary APN042631017300011750

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,932 sqft Heated Area
Gross Area3,575 sqft Gross Area
Stories1 Stories
Primary FlooringCarpet 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 Area9,148 sqft (0.21 acres)
Garage TypeFinished Garage
PorchOpen Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1814 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 175
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionLANCASTER PARK
Legal Phase2
Legal Tract173
Legal Lot Number175
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3026
Census Tract43700

Owner

Source: Osceola County records · APN 042631017300011750

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
Co-ownerVerified Secondary Owner
Mailing Address1814 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
PENNYMAC LOAN SERVICES LLC
Feb 28, 2020Special Warranty Deed, Transfer · Veterans Administration Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 28, 2020 · Amount on Record
Deed SaleFeb 28, 2020 · Amount on Record
Deed Doc Number2020029079
Deed Book / Page5682 / 998
Record RefreshedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1814 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1814 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626

Mortgage

Document Number0060952353
DateNov 29, 2021
Book Page6095/2353
Instrument2021183832
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressSTEVENSON RANCH, CA 91381
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term359 Months
DueOct 01, 2051

February 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 28, 2020
Property Address1814 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
Document Number0056820998
Book / Page5682 / 998
Map ReferenceMB 27 PG 87
Instrument DateFeb 20, 2020
Instrument2020029079
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,338.70
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1814 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626

Mortgage

Document Number0056821002
DateFeb 28, 2020
Instrument5682/1002
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVeterans Administration 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$4,611.00 (+7.13%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$310,508 (+6.66%)$420,600 (-1.5%) Land $78,800 Building $341,800
2023$4,304.00 (+3.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$291,124 (+3%)$427,000 (+14.42%) Land $68,200 Building $358,800
2022$4,154.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$282,645$373,200 Land $68,200 Building $305,000

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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