5610 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5610 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,843 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$359,000 (Oct 2026)
Tax Bill	$5,123 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-0480`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-0480`
Alternative APN	`263104012200010480`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,843 sqft Living Area
Gross Area	2,516 sqft
1st Floor Area	1,843 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5610 WESTERN SUN DR
City	SAINT CLOUD
State	FL
Zip	34771-7492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 48
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	48
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5610 Western Sun Dr is owned and occupied by two individuals who bought it in October 2026.

Source: Osceola County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5610 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Date	Document
Oct 12, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Dec 27, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 26, 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 12, 2026 · Amount on File
Deed Sale	Oct 12, 2026 · Amount on File
Prior Sale	Aug 26, 2020 · Amount on File
Deed Document Number	2026130703
Deed Book / Page	7047 / 353
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2026
Property Address	5610 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0000130703
Book / Page	7047 / 353
Instrument Date	Oct 9, 2026
Instrument	2026130703
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253,813.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5610 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0000130704,
Date	Oct 12, 2026
Instrument	2026130704

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5610 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5610 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0061152357
Date	Dec 27, 2021
Book Page	6115/2357
Instrument	2021199166

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Sep 1, 2050

August 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 26, 2020
Property Address	5610 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0057812056
Book / Page	5781 / 2056
Map Reference	MB 26 PG 193
Instrument Date	Aug 14, 2020
Instrument	2020112960
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	AMERICAN HOME T&E CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,067.80
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	5610 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0057812057
Date	Aug 26, 2020
Instrument	5781/2057

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 7, 2019
Property Address	5610 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
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 on Record
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

The 2025 property tax bill for 5610 Western Sun Dr was $5,123, down 4.1% from the year before.

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	$5,123.00 (-4.14%)	$329,100 Land $70,000 Building $259,100	$329,100 Land $70,000 Building $259,100
2024	$5,344.00 (+2.45%)
2023	$5,216.00 (+8.51%) Homeowner's exemption	$331,800 (+20.39%) Land $65,000 Building $266,800	$331,800 (+20.39%) Land $65,000 Building $266,800
2022	$4,807.00	$275,600 Land $55,000 Building $220,600	$275,600 Land $55,000 Building $220,600

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

Flood

FEMA maps place 5610 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 Zone	Zone X minimal risk
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 5610 Western Sun Dr is high, ranking above 72% 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 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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