5595 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5595 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,611 sqft · built 2020
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,751 (Oct 2020)
Tax Bill	$5,926 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-2270`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-2270`
Alternative APN	`263104012200012270`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,611 sqft Living Area
Gross Area	3,262 sqft
1st Floor Area	1,136 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	471 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5595 WESTERN SUN DR
City	SAINT CLOUD
State	FL
Zip	34771-7491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 227
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	227
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 22, 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	5595 WESTERN SUN DR, SAINT CLOUD, FL 34771-7491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 19, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP
Oct 7, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Prior Sale	Oct 7, 2019 · Amount on Record
Deed Document Number	2020140538
Deed Book / Page	5814 / 2670
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5595 WESTERN SUN DR, SAINT CLOUD, FL 34771-7491
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5595 WESTERN SUN DR, SAINT CLOUD, FL 34771-7491

Mortgage

Document Number	0062241207
Date	Jun 1, 2022
Book Page	6224/1207
Instrument	2022085718

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Nov 1, 2050

October 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 19, 2020
Property Address	5595 WESTERN SUN DR, SAINT CLOUD, FL 34771-7491
Document Number	0058142670
Book / Page	5814 / 2670
Map Reference	MB 26 PG 193
Instrument Date	Oct 15, 2020
Instrument	2020140538
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	AMERICAN HOME T&E CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,231.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10255 FORTUNE PKWY # 150, 10255, JACKSONVILLE, FL 32256-6502

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5595 WESTERN SUN DR, SAINT CLOUD, FL 34771-7491

Mortgage

Document Number	0058142671
Date	Oct 19, 2020
Instrument	5814/2671

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

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

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 7, 2019
Property Address	5595 WESTERN SUN DR, SAINT CLOUD, FL 34771-7491
Document Number	0056011220
Book / Page	005601 / 001220
Instrument Date	Oct 1, 2019
Instrument	129108
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$11,274.20
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	2822 COMMERCE PARK DR #100 ORLANDO FL 328198636, 100, ORLANDO, FL 32819-8636
Investor	Possibly a Property Investor

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	$5,926.00 (+2.4%) Homeowner's exemption	$374,000 (+2.89%) Land $70,000 Building $304,000	$374,000 (+2.89%) Land $70,000 Building $304,000
2023	$5,787.00 (+10.08%) Homeowner's exemption	$363,500 (+20.44%) Land $65,000 Building $298,500	$363,500 (+20.44%) Land $65,000 Building $298,500
2022	$5,257.00	$301,800 Land $55,000 Building $246,800	$301,800 Land $55,000 Building $246,800

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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