Osceola County property record for 5315 Amersham Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,747 sqft · built 2021 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $369,000 (Apr 2026) |
| Tax Bill | $5,660 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-31-0174-0001-3730 |
| Primary APN | 04-26-31-0174-0001-3730 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,747 sqft Living Area |
| Gross Area | 2,522 sqft |
| 1st Floor Area | 1,747 sqft |
| Flooring | Tile |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Florida Room |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5315 AMERSHAM LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 3 & 4 PB 29 PGS 64-68 LOT 373 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK |
| Legal Phase | 3 |
| Legal Lot Number | 373 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
Source: Osceola County records, as of July 2, 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 Record |
|---|---|
| Mailing Address | 5315 AMERSHAM LN, SAINT CLOUD, FL 34771-7675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage U S BANK N A |
| Apr 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage U S BANK N A |
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2026 · Amount on Record |
| Deed Sale | Apr 2, 2026 · Amount on Record |
| Prior Sale | May 5, 2021 · Amount on Record |
| Deed Document Number | 202645129 |
| Deed Book / Page | 6950 / 110 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 5315 AMERSHAM LN, SAINT CLOUD, FL 34771-7675 |
| Document Number | 0069500110 |
| Book / Page | 6950 / 110 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202645129 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | EXCELLENCE TIDE PARTNERS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260,883.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5315 AMERSHAM LN, SAINT CLOUD, FL 34771-7675 |
| Document Number | 0000045130, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 202645130 |
| Name | U S BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 5315 AMERSHAM LN, SAINT CLOUD, FL 34771-7675 |
| Document Number | 0000045129 |
| Book / Page | 6950 / 110 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202645129 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | EXCELLENCE TIDE PARTNERS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260,883.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5315 AMERSHAM LN, SAINT CLOUD, FL 34771-7675 |
| Document Number | 0000045130, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 202645130 |
| Name | U S BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5315 AMERSHAM LN, SAINT CLOUD, FL 34771-7675 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3809 OZARK DR, IRVING, TX 75063-3550 |
| Document Number | 0059510071 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 5951/71 |
| Instrument | 2021068628 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,660.00 (-5.11%) | $316,000 (-4.24%) Land $75,000 Building $241,000 | $316,000 (-4.24%) Land $75,000 Building $241,000 |
| 2024 | $5,965.00 (+2.61%) | ||
| 2023 | $5,813.00 (+11.04%) | $330,000 (+13.68%) Land $65,000 Building $265,000 | $330,000 (+13.68%) Land $65,000 Building $265,000 |
| 2022 | $5,235.00 | $290,300 Land $65,000 Building $225,300 | $290,300 Land $65,000 Building $225,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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