5328 Amersham Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5328 Amersham Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,110 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$305,200 (Apr 2021)
Tax Bill	$5,286 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042631017400014130`

Property Details

APN / Parcel Number

Primary APN	`042631017400014130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,110 sqft Heated Area
Gross Area	2,665 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5328 AMERSHAM LN
City	SAINT CLOUD
State	FL
Zip	34771-7674
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 3 & 4 PB 29 PGS 64-68 LOT 413
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	3
Legal Tract	174
Legal Lot Number	413
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5328 Amersham Ln is owned and occupied by an individual who bought it in April 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5328 AMERSHAM LN, SAINT CLOUD, FL 34771-7674
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2021 · Amount on File
Deed Sale	Apr 27, 2021 · Amount on File
Deed Document Number	2021064132
Deed Book / Page	5945 / 706
Record Updated	Jun 8, 2026

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2021
Property Address	5328 AMERSHAM LN, SAINT CLOUD, FL 34771-7674
Document Number	0059450706
Book / Page	5945 / 706
Map Reference	MB 29 PG 64
Instrument Date	Apr 26, 2021
Instrument	2021064132
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,136.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5328 AMERSHAM LN, SAINT CLOUD, FL 34771-7674

Mortgage

Document Number	0005945710
Date	Apr 27, 2021
Instrument	5945/710

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5328 Amersham Ln was $5,286 with exemptions applied.

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	$5,286.00 Homeowner's exemption Widower's exemption	$343,200 Land $75,000 Building $268,200	$343,200 Land $75,000 Building $268,200
2023	$5,009.00 (+1.75%) Homeowner's exemption Widower's exemption	$325,274 (+3%)	$359,700 (+13.9%) Land $65,000 Building $294,700
2022	$4,923.00 Homeowner's exemption Widower's exemption	$315,800 Land $65,000 Building $250,800	$315,800 Land $65,000 Building $250,800

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

Flood

FEMA maps place 5328 Amersham Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5328 Amersham Ln is moderate, ranking above 69% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% 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.

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 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