1849 Westerham Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1849 Westerham Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,932 sqft · built 2017
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$320,900 (May 2018)
Tax Bill	$5,148 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042631017200010040`

Property Details

APN / Parcel Number

Primary APN	`042631017200010040`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,932 sqft Heated Area
Gross Area	4,016 sqft
1st Floor Area	2,932 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.239 acres)
Garage Type	Finished
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	596 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1849 WESTERHAM AVE
City	SAINT CLOUD
State	FL
Zip	34771-7691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 1 PB 24 PG 97-103 LOT 4
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	1
Legal Tract	172
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1849 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jan 19, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Jun 22, 2019	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
May 9, 2018	Special Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2018 · Amount on Record
Deed Sale	May 9, 2018 · Amount on Record
Deed Document Number	2018073368
Deed Book / Page	5330 / 0861
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1849 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1849 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691

Mortgage

Document Number	0063622595
Date	Feb 27, 2023
Book Page	6362/2595
Instrument	2023022399

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1849 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1849 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691

Mortgage

Document Number	0058720846
Date	Jan 19, 2021
Book Page	5872/846
Instrument	2021007488

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Jul 1, 2049

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1849 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691
Document Number	0055540696
Instrument Date	Jun 22, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1849 WESTERHAM AVE ST CLOUD FL 347717691, ST CLOUD, FL 34771-7691

Mortgage

Document Number	0055540696
Date	Jul 10, 2019
Book Page	005554/000696
Instrument	88246

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 9, 2018
Property Address	1849 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691
Document Number	0053300861
Book / Page	5330 / 0861
Map Reference	MB24 PG97
Instrument Date	May 4, 2018
Instrument	2018073368
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,246.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1849 WESTERHAM AVE, SAINT CLOUD, FL 34771-7691

Mortgage

Document Number	2018073369
Date	May 9, 2018
Instrument	2018073369

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,148.00 (+10.57%) Homeowner's exemption	$330,539 (+9.93%)	$436,900 (+0.62%) Land $78,800 Building $358,100
2023	$4,656.00 (+4.58%) Homeowner's exemption	$300,674 (+3.97%)	$434,200 (+15.2%) Land $68,200 Building $366,000
2022	$4,452.00 Homeowner's exemption	$289,199	$376,900 Land $68,200 Building $308,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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