Osceola County property record for 1834 Westerham Ave, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,347 sqft · built 2017 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $324,400 (Oct 2018) |
| Tax Bill | $5,660 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Nov 2020 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042631017200010340 |
| Primary APN | 042631017200010340 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,347 sqft Heated Area |
| Gross Area | 4,204 sqft |
| 1st Floor Area | 1,983 sqft |
| Upper Floors Area | 1,364 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 416 sqft |
| Deck Area | 562 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1834 WESTERHAM AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7690 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 1 PB 24 PG 97-103 LOT 34 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK |
| Legal Phase | 1 |
| Legal Tract | 172 |
| Legal Lot Number | 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 43700 |
Source: Osceola County records · APN 042631017200010340
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1834 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 24, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Nov 02, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MCCONE COUNTY FCU |
| Jul 23, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Oct 26, 2018 | Special Warranty Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 26, 2018 · Amount on Record |
| Deed Sale | Oct 26, 2018 · Amount on Record |
| Deed Document Number | 2018160682 |
| Deed Book / Page | 5424 / 1875 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1834 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Transaction Type | Mortgage |
| Record Updated | Feb 04, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0061342616 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 6134/2616 |
| Instrument | 2022012246 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1834 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 1834 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 0058250005 |
|---|---|
| Date | Nov 02, 2020 |
| Book Page | 5825/5 |
| Instrument | 2020149030 |
| Name | MCCONE COUNTY FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32809 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Oct 29, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1834 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 0055641445 |
| Instrument Date | Jul 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1834 WESTERHAM AVE ST CLOUD FL 347717690, ST CLOUD, FL 34771-7690 |
| Document Number | 0055641445 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 005564/001445 |
| Instrument | 97689 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 26, 2018 |
| Property Address | 1834 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 0054241875 |
| Book / Page | 5424 / 1875 |
| Map Reference | MB24 PG97 |
| Instrument Date | Oct 24, 2018 |
| Instrument | 2018160682 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,270.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412 |
| Name | Verified Name |
|---|---|
| Address | 1834 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 2018160683 |
|---|---|
| Date | Oct 26, 2018 |
| Instrument | 2018160683 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $5,660.00 (+6.05%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $364,101 (+5.99%) | $458,300 (-1.5%) Land $78,800 Building $379,500 |
| 2023 | $5,337.00 (+4.06%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $343,534 (+3.54%) | $465,300 (+13.99%) Land $68,200 Building $397,100 |
| 2022 | $5,129.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $331,781 | $408,200 Land $68,200 Building $340,000 |
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 100 ft |
| Wildfire Risk | Moderate above 63% of the US · above 39% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 448 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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