5586 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5586 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2019
Lot Size	0.23 acres (10,018 sqft)
Owner	Company Name on Record
Last Sale	$338,000 (Jan 2022)
Tax Bill	$5,801 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-0600`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-0600`
Alternative APN	`263104012200010600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	1,846 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5586 WESTERN SUN DR
City	SAINT CLOUD
State	FL
Zip	34771-7490
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 60
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	60
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 October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Jul 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage GERMAN AMERICAN CAPITAL CORPORATION
Jan 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FBC MORTGAGE LLC
Jul 12, 2022	Warranty Deed, Transfer SELENE TITLE LLC
Jan 14, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Nov 22, 2021	Warranty Deed, Transfer OS NATIONAL LLC
Jan 22, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Jul 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Prior Sale	Nov 22, 2021 · Amount on Record
Deed Document Number	20227628
Deed Book / Page	6129 / 992
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490

Mortgage

Document Number	0059040449
Date	Mar 4, 2021
Book Page	5904/449
Instrument	2021032001

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0062581275
Date	Jul 27, 2022
Book Page	6258/1275
Instrument	2022115143

Lender

Name	GERMAN AMERICAN CAPITAL CORPORATION
Type	Non-Lending Institution
Address	NEW YORK, NY 10019

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056630630
Date	Jan 24, 2020
Book Page	5663/0630
Instrument	2020011918

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 12, 2022
Property Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Document Number	0062501073
Book / Page	6250 / 1073
Instrument Date	Jun 23, 2022
Instrument	2022107985
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 14, 2022
Property Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Document Number	0061290992
Book / Page	6129 / 992
Map Reference	MB 26 PG 193-195
Instrument Date	Dec 29, 2021
Instrument	2022007628
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,366.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 22, 2021
Property Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Document Number	0060910982
Book / Page	6091 / 982
Map Reference	MB 26 PG 193-195
Instrument Date	Nov 18, 2021
Instrument	2021180578
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,310.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1483 CRESTRIDGE DR, KISSIMMEE, FL 34746-4285

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

January 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 22, 2020
Property Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Document Number	0056612047
Book / Page	5661 / 2047
Map Reference	MB 26 PG 193-195
Instrument Date	Jan 21, 2020
Instrument	2020010575
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,876.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490

Mortgage

Document Number	0056612048
Date	Jan 22, 2020
Instrument	5661/2048

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 16, 2019
Property Address	5586 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Document Number	0055570670
Book / Page	005557 / 000670
Instrument Date	Jul 15, 2019
Instrument	90828
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$16,948.25
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,801.00 (-3.67%)	$323,900 (-0.77%) Land $70,000 Building $253,900	$323,900 (-0.77%) Land $70,000 Building $253,900
2024	$6,022.00 (+2.38%)
2023	$5,882.00 (+20.26%)	$326,400 (+20.35%) Land $65,000 Building $261,400	$326,400 (+20.35%) Land $65,000 Building $261,400
2022	$4,891.00	$271,200 Land $55,000 Building $216,200	$271,200 Land $55,000 Building $216,200

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
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	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.6% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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