Osceola County property record for 1845 Westerham Ave, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,246 sqft Heated Area |
| Lot Size | 9,148 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $279,990 (2019) |
| Tax Bill | $3,906.00 (2025) |
| Primary APN | 042631017200010060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,246 sqft Heated Area |
| Gross Area | 3,030 sqft Gross Area |
| 1st Floor | 2,246 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 | 9,148 sqft (0.21 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 449 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 335 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1845 WESTERHAM AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7691 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 1 PB 24 PG 97-103 LOT 6 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK |
| Legal Phase | 1 |
| Legal Tract | 172 |
| Legal Lot Number | 6 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
Source: Osceola County records · APN 042631017200010060
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 | 1845 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Apr 29, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2019 · Amount on Record |
| Deed Sale | Apr 29, 2019 · Amount on Record |
| Deed Doc Number | 2019054407 |
| Deed Book / Page | 5515 / 0970 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1845 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058752896 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 5875/2896 |
| Instrument | 2021010355 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Jul 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 29, 2019 |
| Property Address | 1845 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 0055150970 |
| Book / Page | 5515 / 0970 |
| Map Reference | MB 24 PG 97 |
| Instrument Date | Apr 24, 2019 |
| Instrument | 2019054407 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | METES AND BOUNDS TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 700 NW 107TH AVE, 700, MIAMI, FL 33172-3161 |
| Name | Verified Name |
|---|---|
| Address | 1845 WESTEHAM AVE, SAINT CLOUD, FL 34771-7691 |
| Document Number | 2019054408 |
|---|---|
| Date | Apr 29, 2019 |
| Instrument | 2019054408 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
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 | $3,906.00 (+6.2%) Homeowner's exemption | $261,139 (+5.99%) | $353,300 (-4.57%) Land $78,800 Building $274,500 |
| 2023 | $3,678.00 (+3.58%) Homeowner's exemption | $246,389 (+3%) | $370,200 (+13.94%) Land $68,200 Building $302,000 |
| 2022 | $3,551.00 Homeowner's exemption | $239,213 | $324,900 Land $68,200 Building $256,700 |
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 A, 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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