5625 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5625 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,678 sqft · built 2020
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$371,160 (Jul 2024)
Tax Bill	$5,586 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-1380`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-1380`
Alternative APN	`263104012200011380`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,678 sqft Living Area
Gross Area	2,144 sqft
1st Floor Area	1,678 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
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
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5625 WESTERN SUN DR
City	SAINT CLOUD
State	FL
Zip	34771-7493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 138
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	138
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5625 Western Sun Dr is owned and occupied by two individuals who acquired it in August 2024.

Source: Osceola County records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 1, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Jan 20, 2023	Deed of Trust, Mortgage · VA Mortgage MOVEMENT MORTGAGE
Jan 22, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Jan 28, 2020	Special Warranty Deed, Subdivision Related Transfer · VA 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	Jul 31, 2024 · Amount on File
Deed Sale	Jul 31, 2024 · Amount on File
Prior Sale	Jan 28, 2020 · Amount on File
Deed Document Number	202499563
Deed Book / Page	6642 / 2017
Last Transfer Date	Aug 22, 2024
Transfer Doc	0000109708
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2026
Property Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493
Document Number	0000086137
Book / Page	6996 / 2566
Instrument Date	Jun 11, 2026
Instrument	202686137
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493

Mortgage

Document Number	0000086137,
Date	Jul 1, 2026
Book Page	6996/2566
Instrument	202686137

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493
Transaction Type	Mortgage
Record Updated	Feb 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493

Mortgage

Document Number	0063470187
Date	Jan 20, 2023
Book Page	6347/187
Instrument	2023007740

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493

Mortgage

Document Number	0058760204
Date	Jan 22, 2021
Book Page	5876/204
Instrument	2021010428

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2050

January 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2020
Property Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493
Document Number	0056642743
Book / Page	5664 / 2743
Map Reference	MB 26 PG 193
Instrument Date	Jan 27, 2020
Instrument	2020013590
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 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	$1,780.80
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	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493

Mortgage

Document Number	0056642744
Date	Jan 28, 2020
Instrument	5664/2744

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 17, 2019
Property Address	5625 WESTERN SUN DR, SAINT CLOUD, FL 34771-7493
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 5625 Western Sun Dr was $5,586.

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	$5,586.00	$311,900 Land $70,000 Building $241,900	$311,900 Land $70,000 Building $241,900
2023	$3,310.00 (+3.28%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$235,971 (+2.6%)	$314,100 (+22.03%) Land $65,000 Building $249,100
2022	$3,205.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$229,999	$257,400 Land $55,000 Building $202,400

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

Flood

FEMA maps place 5625 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 5625 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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