5664 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5664 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,875 sqft · built 2018
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$322,000 (May 2021)
Tax Bill	$4,639 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200010210`

Property Details

APN / Parcel Number

Primary APN	`042631012200010210`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,875 sqft Heated Area
Gross Area	2,386 sqft
1st Floor Area	777 sqft
Upper Floors Area	1,098 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5664 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 21
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	21
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5664 Western Sun Dr is owned and occupied by an individual who bought it in May 2021.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5664 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 4, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Nov 28, 2019	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Jan 2, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2021 · Amount on File
Deed Sale	May 19, 2021 · Amount on File
Prior Sale	Jan 2, 2019 · Amount on File
Deed Document Number	2021076819
Deed Book / Page	5961 / 1145
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 19, 2021
Property Address	5664 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0059611145
Book / Page	5961 / 1145
Map Reference	MB 26 PG 193
Instrument Date	May 17, 2021
Instrument	2021076819
Transaction Type	Transfer
Record Updated	Jun 10, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,254.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1423 LOUISIANA AVE, 1423, SAINT CLOUD, FL 34769-4169

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5664 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	59611154
Date	May 19, 2021
Instrument	5961/1154

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5664 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5664 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0059040870
Date	Mar 4, 2021
Book Page	5904/870
Instrument	2021032086

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Dec 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5664 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0056342311
Instrument Date	Nov 28, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5664 WESTERN SUN DR ST CLOUD FL 347717492, ST CLOUD, FL 34771-7492

Mortgage

Document Number	0056342311
Date	Dec 5, 2019
Book Page	005634/002311
Instrument	157387

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2049

January 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 2, 2019
Property Address	5664 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0054570329
Book / Page	005457 / 000329
Instrument Date	Dec 26, 2018
Instrument	20
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 16, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,941.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5664 WESTERN SUN DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	54570330
Date	Jan 2, 2019
Book Page	005457/000330
Instrument	21

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5664 Western Sun Dr was $4,639 with a homeowner's exemption.

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	$4,639.00 Homeowner's exemption	$302,063	$330,500 Land $74,200 Building $256,300
2023	$4,373.00 (+3.45%) Homeowner's exemption	$285,001 (+3%)	$332,600 (+20.2%) Land $68,900 Building $263,700
2022	$4,227.00 Homeowner's exemption	$276,700 Land $58,300 Building $218,400	$276,700 Land $58,300 Building $218,400

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

Flood

FEMA maps place 5664 Western Sun Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 5664 Western Sun Dr is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.5% 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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