5600 Westerly Breeze Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5600 Westerly Breeze Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,614 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Oct 2025)
Tax Bill	$3,517 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2023 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200011680`

Property Details

APN / Parcel Number

Primary APN	`042631012200011680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,614 sqft Heated Area
Gross Area	2,240 sqft
1st Floor Area	1,614 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Finished
Garage Area	400 sqft
Porch	Open Porch
Porch Area	226 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5600 WESTERLY BREEZE PL
City	SAINT CLOUD
State	FL
Zip	34771-7488
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 168
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	168
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 December 11, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Aug 11, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 22, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 14, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage HOMEAMERICAN MTG
Nov 12, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP
Jun 17, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Prior Sale	Nov 12, 2019 · Amount on Record
Deed Document Number	2025130817
Deed Book / Page	6868 / 2185
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5600 WESTERLY BREEZE PI, SAINT CLOUD, FL 34771-7488

Mortgage

Document Number	0059470351
Date	Apr 29, 2021
Book Page	5947/351
Instrument	2021065508

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488

Mortgage

Document Number	0063841339
Date	Apr 11, 2023
Book Page	6384/1339
Instrument	2023040367

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488

Mortgage

Document Number	0068322440
Date	Aug 11, 2025
Book Page	6832/2440
Instrument	2025099622

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	May 1, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 22, 2025
Property Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Document Number	0068682185
Book / Page	6868 / 2185
Map Reference	MB 26 PG 193-195
Instrument Date	Oct 17, 2025
Instrument	2025130817
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	UNKNOWN, BLISSFUL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488

Mortgage

Document Number	0068682187
Date	Oct 22, 2025
Instrument	6868/2187

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 14, 2019
Property Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Document Number	0056240020
Book / Page	005624 / 000020
Instrument Date	Nov 12, 2019
Instrument	148717
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 4, 2019
Title Company	AMERICAN HOME TITLE AND ESCROW COMPANY, AMERICAN HM TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,922.41
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5612 WESTERLY BREEZE PL ST CLOUD FL 347717488, ST CLOUD, FL 34771-7488

Mortgage

Document Number	56240021
Date	Nov 14, 2019
Book Page	005624/000021
Instrument	148718

Lender

Name	HOMEAMERICAN MTG
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

November 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 12, 2019
Property Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Document Number	0056221261
Book / Page	5622 / 1261
Map Reference	MB 26 PG 193
Instrument Date	Nov 7, 2019
Instrument	2019147234
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	AMERICAN HOME T&E CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,764.70
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
Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488

Mortgage

Document Number	0056221262
Date	Nov 12, 2019
Instrument	5622/1262

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 17, 2019
Property Address	5600 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Document Number	0055421019
Book / Page	005542 / 001019
Instrument Date	Jun 13, 2019
Instrument	77841
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$16,461.90
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 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	$3,517.00 (+3.53%) Homeowner's exemption	$239,389 (+2.9%)	$308,300 (-3.87%) Land $70,000 Building $238,300
2024	$3,397.00 (+2.69%) Homeowner's exemption	$232,643 (+3%)	$320,700 (+3.32%) Land $70,000 Building $250,700
2023	$3,308.00 (+3.63%) Homeowner's exemption	$225,867 (+3%)	$310,400 (+20.03%) Land $65,000 Building $245,400
2022	$3,192.00 Homeowner's exemption	$219,289	$258,600 Land $55,000 Building $203,600

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 72% of the US · above 56% 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 134 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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