5648 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5648 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,791 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Sep 2024)
Tax Bill	$3,101 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200010290`

Property Details

APN / Parcel Number

Primary APN	`042631012200010290`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,791 sqft Heated Area
Gross Area	3,312 sqft
1st Floor Area	1,203 sqft
Upper Floors Area	1,588 sqft
Flooring	Tile
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	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	501 sqft
Porch	Open Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5648 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 29
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	29
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	5648 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · FHA Mortgage HOME AMERICAN MORTGAGE CORP
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 22, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage MULTIPLE
Jun 17, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2024 · Amount on Record
Deed Sale	Sep 4, 2024 · Amount on Record
Prior Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	2024113870
Deed Book / Page	6659 / 2218
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5648 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5648 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0059780072
Date	Jun 10, 2021
Book Page	5978/72
Instrument	2021090288

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Dec 1, 2049

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5648 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5648 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0061781117
Date	Mar 23, 2022
Book Page	6178/1117
Instrument	2022046616

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 22, 2019
Property Address	5648 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0056282941
Book / Page	5628 / 2941
Map Reference	MB 26 PG 193
Instrument Date	Nov 19, 2019
Instrument	2019152921
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2021
Title Company	MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,314.20
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	5648 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0000000000
Date	Nov 22, 2019
Instrument	5628-2942

Lender

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	5648 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
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	$3,101.00 (-27.38%) Homeowner's exemption	$216,160 (-22.6%)	$389,200 (+2.58%) Land $74,200 Building $315,000
2023	$4,270.00 (+3.46%) Homeowner's exemption	$279,264 (+3%)	$379,400 (+20.44%) Land $68,900 Building $310,500
2022	$4,127.00 Homeowner's exemption	$271,131	$315,000 Land $58,300 Building $256,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 80% of the US · above 69% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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