Osceola County property record for 1848 Westerham Ave, Saint Cloud, FL 34771 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2016 |
| Square Footage | 2,566 sqft Living Area |
| Lot Size | 10,454 sqft (0.24 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $525,000 (2025) |
| Tax Bill | $6,130.00 (2025) |
| Primary APN | 04-26-31-0172-0001-0400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,566 sqft Living Area |
| Gross Area | 3,428 sqft Gross Area |
| 1st Floor | 1,048 sqft 1st Floor |
| Upper Floors | 1,518 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional Style |
| Exterior Material | Combination Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,454 sqft (0.24 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 462 sqft Garage |
| Porch Area | 400 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 1848 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 40 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK EAST PH 1 |
| Legal Phase | 1 |
| Legal Tract | 172 |
| Legal Block | 400 |
| Legal Lot Number | 40 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3028 |
| Census Tract | 43700 |
Source: Osceola County records · APN 04-26-31-0172-0001-0400
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1848 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Feb 22, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Nov 22, 2022 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 27, 2025 · Amount on Record |
| Deed Sale | Jan 27, 2025 · Amount on Record |
| Prior Sale | Nov 22, 2022 · Amount on Record |
| Deed Doc Number | 202511165 |
| Deed Book / Page | 6731 / 1507 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1848 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2024 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 1848 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Investor | Possibly a Property Investor |
| Document Number | 0065530648 |
|---|---|
| Date | Feb 22, 2024 |
| Book Page | 6553/648 |
| Instrument | 2024022927 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Feb 01, 2064 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 22, 2022 |
| Property Address | 1848 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 0063181059 |
| Book / Page | 6318 / 1059 |
| Map Reference | MB 24 PG 97 |
| Instrument Date | Nov 16, 2022 |
| Instrument | 2022168886 |
| Transaction Type | Transfer |
| Record Updated | Dec 07, 2022 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,402.70 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD, 6675, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 1848 WESTERHAM AVE, SAINT CLOUD, FL 34771-7690 |
| Document Number | 0063181063 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 6318/1063 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
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 | $6,130.00 (-16.17%) | $385,400 (-5.03%) Land $78,800 Building $306,600 | $385,400 (-5.03%) Land $78,800 Building $306,600 |
| 2023 | $7,312.00 (+31.72%) | $405,800 (+14.28%) Land $68,200 Building $337,600 | $405,800 (+14.28%) Land $68,200 Building $337,600 |
| 2022 | $5,551.00 | $355,100 Land $68,200 Building $286,900 | $355,100 Land $68,200 Building $286,900 |
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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