5658 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5658 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,674 sqft · built 2019
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$302,990 (Feb 2019)
Tax Bill	$3,009 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Sep 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200010240`

Property Details

APN / Parcel Number

Primary APN	`042631012200010240`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,674 sqft Heated Area
Gross Area	3,244 sqft
1st Floor Area	1,106 sqft
Upper Floors Area	1,568 sqft
Flooring	Carpet
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	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	462 sqft
Porch	Open Porch
Porch Area	108 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5658 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 24
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	24
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	2 Individual Names on Record
Mailing Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CREDIT UNION STATE CHARTERED C
Sep 8, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 16, 2019	Deed of Trust, Mortgage · FHA Mortgage PLANET HM LNDG
Feb 18, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage COLUMBUS CAP LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2019 · Amount on Record
Deed Sale	Feb 18, 2019 · Amount on Record
Deed Document Number	2019020887
Deed Book / Page	5478 / 2556
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0065760543
Date	Apr 3, 2024
Book Page	6576/543
Instrument	2024042268

Lender

Name	FAIRWINDS CREDIT UNION STATE CHARTERED C
Address	3087 N ALAFAYA TRL, ORLANDO, FL 32826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0062822680
Date	Sep 8, 2022
Book Page	6282/2680
Instrument	2022137125

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 9, 2032

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0059820277
Date	Jun 16, 2021
Book Page	5982/277
Instrument	2021093581

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0056500820
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5658 WESTERN SUN DR ST CLOUD FL 347717492, ST CLOUD, FL 34771-7492

Mortgage

Document Number	0056500820
Date	Dec 31, 2019
Book Page	005650/000820
Instrument	169556

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2049

February 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 18, 2019
Property Address	5658 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0054782556
Book / Page	005478 / 002556
Instrument Date	Feb 15, 2019
Instrument	20887
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 26, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,120.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5658 WESTERN SUN DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	54782557
Date	Feb 18, 2019
Book Page	005478/002557
Instrument	20888

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33176

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2049

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	$3,009.00 (+6.48%) Homeowner's exemption	$211,006 (+5.99%)	$375,700 (+2.51%) Land $74,200 Building $301,500
2023	$2,826.00 (+3.74%) Homeowner's exemption	$199,088 (+3%)	$366,500 (+20.09%) Land $68,900 Building $297,600
2022	$2,724.00 Homeowner's exemption	$193,290	$305,200 Land $58,300 Building $246,900

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
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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