5631 Western Sky Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5631 Western Sky Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2019
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,990 (Aug 2019)
Tax Bill	$3,765 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0122-0001-1760`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0122-0001-1760`
Alternative APN	`263104012200011760`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	1,846 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	441 sqft
Porch	Finished/Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5631 WESTERN SKY PL
City	SAINT CLOUD
State	FL
Zip	34771-7494
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 176
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Lot Number	176
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 November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	5631 WESTERN SKY PL, SAINT CLOUD, FL 34771-7494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 28, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Aug 21, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage STEARNS LENDING LLC
Mar 4, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on Record
Deed Sale	Aug 21, 2019 · Amount on Record
Prior Sale	Mar 4, 2019 · Amount on Record
Deed Document Number	2019108449
Deed Book / Page	5577 / 384
Last Transfer Date	Feb 27, 2022
Transfer Doc	0061591283
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5631 WESTERN SKY PL, SAINT CLOUD, FL 34771-7494
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057752078
Date	Aug 17, 2020
Book Page	5775/2078
Instrument	2020108196

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Nov 1, 2049

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2022
Property Address	5631 WESTERN SKY PL, SAINT CLOUD, FL 34771-7494
Document Number	0061591283
Book / Page	6159 / 1283
Map Reference	MB 26 PG 193-195
Instrument Date	Feb 27, 2022
Instrument	2022031753
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5631 WESTERN SKY PL, 5631, SAINT CLOUD, FL 34771-7494

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5631 WESTERN SKY PL, SAINT CLOUD, FL 34771-7494

August 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2019
Property Address	5631 WESTERN SKY PL, SAINT CLOUD, FL 34771-7494
Document Number	0055770384
Book / Page	5577 / 0384
Map Reference	MB 26 PG 193-195
Instrument Date	Aug 19, 2019
Instrument	2019108449
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5631 WESTERN SKY PL, SAINT CLOUD, FL 34771-7494

Mortgage

Document Number	0005577385
Date	Aug 21, 2019
Instrument	5577/385

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 4, 2019
Property Address	5631 WESTERN SKY PL, SAINT CLOUD, FL 34771-7494
Document Number	0054851535
Book / Page	005485 / 001535
Instrument Date	Mar 1, 2019
Instrument	27129
Transaction Type	Transfer
Record Updated	Mar 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$6,091.03
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

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	$3,765.00 (+3.49%) Homeowner's exemption	$253,276 (+5.99%)	$327,400 (-0.85%) Land $70,000 Building $257,400
2024	$3,638.00 (+2.65%)
2023	$3,544.00 (+3.6%) Homeowner's exemption	$238,969 (+3%)	$330,200 (+19.99%) Land $65,000 Building $265,200
2022	$3,421.00 Homeowner's exemption	$232,009	$275,200 Land $55,000 Building $220,200

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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