5616 Westerly Breeze Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5616 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	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$255,450 (Oct 2019)
Tax Bill	$3,486 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-1640`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-1640`
Alternative APN	`263104012200011640`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,614 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,614 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	226 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5616 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 164
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	164
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5616 Westerly Breeze Pl is owned and occupied by two individuals who bought it in October 2019.

Source: Osceola County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5616 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Feb 23, 2021	Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC
Oct 31, 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 31, 2019 · Amount on File
Deed Sale	Oct 31, 2019 · Amount on File
Deed Document Number	2019141862
Deed Book / Page	5616 / 508
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 3, 2026
Property Address	5616 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Document Number	0000101131
Book / Page	7014 / 406
Instrument Date	Jul 27, 2026
Instrument	2026101131
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5616 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488

Mortgage

Document Number	0000101131,
Date	Aug 3, 2026
Book Page	7014/406
Instrument	2026101131

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 31, 2036

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5616 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5616 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488

Mortgage

Document Number	0058962035
Date	Feb 23, 2021
Book Page	5896/2035
Instrument	2021025934

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 31, 2019
Property Address	5616 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488
Document Number	0056160508
Book / Page	5616 / 0508
Map Reference	MB 26 PG 193
Instrument Date	Oct 30, 2019
Instrument	2019141862
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 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	$1,788.50
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	Joint Tenants with Right of Survivorship
Address	5616 WESTERLY BREEZE PL, SAINT CLOUD, FL 34771-7488

Mortgage

Document Number	0005616509
Date	Oct 31, 2019
Instrument	5616/509

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 17, 2019
Property Address	5616 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 on Record
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

The 2025 property tax bill for 5616 Westerly Breeze Pl was $3,486 with a homeowner's exemption.

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	$3,486.00 Homeowner's exemption	$237,637	$306,500 Land $70,000 Building $236,500
2023	$3,279.00 (+3.67%) Homeowner's exemption	$224,214 (+3%)	$308,700 (+20.16%) Land $65,000 Building $243,700
2022	$3,163.00 Homeowner's exemption	$217,684	$256,900 Land $55,000 Building $201,900

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

Flood

FEMA maps place 5616 Westerly Breeze Pl 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 5616 Westerly Breeze Pl 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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