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1816 Westerham Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1816 Westerham Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2019
Square Footage2,932 sqft Heated Area
Lot Size8,276 sqft (0.189 acres)
OccupancyOwner Occupied
Last Sale$327,700 (2019)
Tax Bill$5,184.00 (2025)

Property Details

APN / Parcel Number

Primary APN042631017300011760

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,932 sqft Heated Area
Gross Area4,096 sqft Gross Area
1st Floor2,932 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,276 sqft (0.189 acres)
Garage TypeFinished Garage
Garage Area728 sqft Garage
PorchOpen Porch
Porch Area96 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1816 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 176
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionLANCASTER PARK
Legal Phase2
Legal Tract173
Legal Lot Number176
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3026
Census Tract43700

Owner

Source: Osceola County records · APN 042631017300011760

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 Address1816 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP
Dec 06, 2019Special Warranty Deed, Transfer · Conventional Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 06, 2019 · Amount on Record
Deed SaleDec 06, 2019 · Amount on Record
Deed Doc Number2019158673
Deed Book / Page5636 / 1032
Record RefreshedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1816 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
Transaction TypeMortgage
Record UpdatedApr 15, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1816 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626

Mortgage

Document Number0059152689
DateMar 19, 2021
Book Page5915/2689
Instrument2021041012
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term347 Months
DueFeb 01, 2050

December 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 06, 2019
Property Address1816 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626
Document Number0056361032
Book / Page5636 / 1032
Map ReferenceMB 27 PG 87
Instrument DateNov 26, 2019
Instrument2019158673
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,293.90
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2300 MAITLAND CENTER PKWY STE 200, 2300, MAITLAND, FL 32751-7411

Transferred To (Grantee/Buyer)

NameVerified Name
Address1816 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626

Mortgage

Document Number0056361034
DateDec 06, 2019
Instrument5636/1034
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2049

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$5,184.00 (+5.99%) Homeowner's exemption$332,532 (+5.99%)$442,300 (-2.12%) Land $78,800 Building $363,500
2023$4,891.00 (+3.4%) Homeowner's exemption$313,749 (+3%)$451,900 (+14.61%) Land $68,200 Building $383,700
2022$4,730.00 Homeowner's exemption$304,611$394,300 Land $68,200 Building $326,100

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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