Osceola County property record for 1818 Westerham Ave, Saint Cloud, FL 34771 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2019 |
| Square Footage | 3,119 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $565,000 (2024) |
| Tax Bill | $7,262.00 (2025) |
| Primary APN | 04-26-31-0173-0001-1770 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,119 sqft Living Area |
| Gross Area | 4,224 sqft Gross Area |
| 1st Floor | 1,755 sqft 1st Floor |
| Upper Floors | 1,364 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Frame Construction |
| 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 | 669 sqft Garage |
| Porch Area | 116 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 1818 WESTERHAM AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7626 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 177 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK EAST PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 177 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
Source: Osceola County records · APN 04-26-31-0173-0001-1770
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1818 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 21, 2019 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage EAGLE HOME MORTGAGE LLC |
| Nov 18, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage EAGLE HM MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 26, 2024 · Amount on Record |
| Deed Sale | Mar 26, 2024 · Amount on Record |
| Prior Sale | Nov 21, 2019 · Amount on Record |
| Deed Doc Number | 202437897 |
| Deed Book / Page | 6570 / 1860 |
| Prior Transfer Date | Mar 22, 2024 |
| Prior Transfer Doc | 0065760291 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1818 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 11 WESTERHAM AVENUE, SAINT CLOUD, FL 34771 |
| Document Number | 0061132413 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 6113/2413 |
| Instrument | 2021197520 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 21, 2019 |
| Property Address | 1818 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626 |
| Document Number | 0056280021 |
| Book / Page | 5628 / 0021 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | Nov 18, 2019 |
| Instrument | 2019152040 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,307.20 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412 |
| Name | Verified Name |
|---|---|
| Address | 1818 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626 |
| Document Number | 0000562825 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 5628/25 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1818 WESTERHAM AVE, SAINT CLOUD, FL 34771-7626 |
| Document Number | 0056280025 |
| Instrument Date | Nov 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5286 WHITE BLOSSOM CIR ST CLOUD FL 347719223, ST CLOUD, FL 34771-9223 |
| Document Number | 0056280025 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 005628/000025 |
| Instrument | 152041 |
| Name | EAGLE HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172-3139 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 20, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $7,262.00 (+42.62%) | $448,600 (+41.03%) Land $78,800 Building $369,800 | $448,600 (-2.16%) Land $78,800 Building $369,800 |
| 2024 | $5,092.00 (+2.48%) | ||
| 2023 | $4,969.00 (+3.39%) Homeowner's exemption | $318,095 (+3%) | $458,500 (+14.65%) Land $68,200 Building $390,300 |
| 2022 | $4,806.00 Homeowner's exemption | $308,831 | $399,900 Land $68,200 Building $331,700 |
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 100 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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