Osceola County property record for 1840 Westerham Ave, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,932 sqft Heated Area |
| Lot Size | 8,276 sqft (0.189 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $345,000 (2019) |
| Tax Bill | $4,894.00 (2025) |
| Primary APN | 042631017200010370 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,932 sqft Heated Area |
| Gross Area | 3,666 sqft Gross Area |
| 1st Floor | 2,932 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,276 sqft (0.189 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 488 sqft Garage |
| Patio Area | 550 sqft Patio |
| Porch | Open Porch |
| Porch Area | 246 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1840 WESTERHAM AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7690 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 1 PB 24 PG 97-103 LOT 37 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK |
| Legal Phase | 1 |
| Legal Tract | 172 |
| Legal Lot Number | 37 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3028 |
| Census Tract | 43700 |
Source: Osceola County records · APN 042631017200010370
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 |
|---|---|
| Mailing Address | 1840 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED MILITARY MORTGAGE LLC |
| Apr 26, 2019 | Warranty Deed, Transfer · Veterans Administration Mortgage CENTENNIAL BANK |
| Oct 13, 2017 | Special Warranty Deed, Transfer · Conventional Mortgage CALATLANTIC MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 26, 2019 · Amount on Record |
| Deed Sale | Apr 26, 2019 · Amount on Record |
| Prior Sale | Oct 13, 2017 · Amount on Record |
| Deed Doc Number | 2019053317 |
| Deed Book / Page | 5513 / 2739 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1840 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057862462 |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 5786/2462 |
| Instrument | 2020117115 |
| Name | UNITED MILITARY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2019 |
| Property Address | 1840 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 0055132739 |
| Book / Page | 5513 / 2739 |
| Map Reference | MB 24 PG 97 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 2019053317 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,415.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2914 SUMMER WINDS CIR, 2914, SAINT CLOUD, FL 34769-6340 |
| Name | Verified Name |
|---|---|
| Address | 1840 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 2019053318 |
|---|---|
| Date | Apr 26, 2019 |
| Instrument | 2019053318 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 13, 2017 |
| Property Address | 1840 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 0052232666 |
| Book / Page | 5223 / 2666 |
| Map Reference | MB24 PG97-103 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 2017147409 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,508.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants In Common |
| Address | 1840 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 0052232668 |
|---|---|
| Date | Oct 13, 2017 |
| Instrument | 5223/2668 |
| Name | CALATLANTIC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
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 | $4,894.00 (+6.05%) Homeowner's exemption | $316,310 (+5.99%) | $419,200 (-1.94%) Land $78,800 Building $340,400 |
| 2023 | $4,615.00 (+3.43%) Homeowner's exemption | $298,443 (+3%) | $427,500 (+14.15%) Land $68,200 Building $359,300 |
| 2022 | $4,462.00 Homeowner's exemption | $289,751 | $374,500 Land $68,200 Building $306,300 |
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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