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5596 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5596 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,501 sqft · built 2020
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$251,990 (Feb 2020)
Tax Bill$3,571 (2025)
Deeds & MortgagesFeb 2020 Sale & Mortgage
Jul 2019 Sale
Flood ZoneZone X (minimal risk)
APN042631012200010550

Property Details

APN / Parcel Number

Primary APN042631012200010550

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,501 sqft Heated Area
Gross Area2,040 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5596 WESTERN SUN DR
CitySAINT CLOUD
StateFL
Zip34771-7490
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionESTATES OF WESTERLY PB 26 PGS 193-195 LOT 55
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionESTATES OF WESTERLY
Legal Tract122
Legal Lot Number55
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3026
Census Tract43700

Owner

5596 Western Sun Dr is owned and occupied by an individual who bought it in February 2020.

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

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

Owner of RecordIndividual Name on File
Mailing Address5596 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 18, 2020Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
FBC MORTGAGE LLC
Jul 16, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 18, 2020 · Amount on File
Deed SaleFeb 18, 2020 · Amount on File
Deed Document Number2020023575
Deed Book / Page5675 / 2283
Record UpdatedJun 8, 2026

February 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 18, 2020
Property Address5596 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Document Number0056752283
Book / Page5675 / 2283
Map ReferenceMB 26 PG 193-195
Instrument DateFeb 14, 2020
Instrument2020023575
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 8, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,764.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

NameVerified Name
Address5596 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490

Mortgage

Document Number0056752284
DateFeb 18, 2020
Instrument5675/2284
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2050

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 16, 2019
Property Address5596 WESTERN SUN DR, SAINT CLOUD, FL 34771-7490
Document Number0055570670
Book / Page005557 / 000670
Instrument DateJul 15, 2019
Instrument90828
Transaction TypeTransfer
Record UpdatedJul 30, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$16,948.25
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

The 2025 property tax bill for 5596 Western Sun Dr was $3,571 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,571.00 Homeowner's exemption$242,423$295,900 Land $70,000 Building $225,900
2023$3,360.00 (+3.64%) Homeowner's exemption$228,730 (+3%)$297,600 (+19.86%) Land $65,000 Building $232,600
2022$3,242.00 Homeowner's exemption$222,068$248,300 Land $55,000 Building $193,300

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

Flood

FEMA maps place 5596 Western Sun Dr in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 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 5596 Western Sun Dr is high, ranking above 76% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire RiskHigh
above 76% of the US · above 62% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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