5681 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5681 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,678 sqft · built 2019
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Jun 2025)
Tax Bill	$5,001 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200012140`

Property Details

APN / Parcel Number

Primary APN	`042631012200012140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,678 sqft Heated Area
Gross Area	2,334 sqft
1st Floor Area	1,614 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	10,890 sqft (0.25 acres)
Garage Type	Finished
Garage Area	590 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	226 sqft
Patio Area	80 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5681 WESTERN SUN DR
City	SAINT CLOUD
State	FL
Zip	34771-7495
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 214
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	214
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 18, 2023	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Oct 9, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 28, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on File
Deed Sale	Jun 30, 2025 · Amount on File
Prior Sale	Apr 18, 2023 · Amount on File
Deed Document Number	2025081467
Deed Book / Page	6811 / 1139
Record Updated	Jun 8, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2025
Property Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Document Number	0068111139
Book / Page	6811 / 1139
Map Reference	MB 26 PG 193
Instrument Date	Jun 26, 2025
Instrument	2025081467
Transaction Type	Transfer
Record Updated	Jul 24, 2025
Title Company	NONA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5233 LAKE LIZZIE DR, SAINT CLOUD, FL 34771-8566

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495

Mortgage

Document Number	0068111145
Date	Jun 30, 2025
Book Page	6811/1145
Instrument	2025081470

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2023
Property Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Document Number	0063900617
Book / Page	6390 / 617
Map Reference	MB 26 PG 193
Instrument Date	Apr 17, 2023
Instrument	2023045750
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	NOT AVAILABLE, ROSEMONT TITLE INS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	73 ORCHID CT, POINCIANA, FL 34759-5595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495

Mortgage

Document Number	0006390619
Date	Apr 18, 2023
Instrument	6390/619

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495

Mortgage

Document Number	0058091489
Date	Oct 9, 2020
Book Page	5809/1489
Instrument	2020135980

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jun 1, 2049

May 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 28, 2019
Property Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Document Number	0055301076
Book / Page	5530 / 1076
Map Reference	MB 26 PG 193
Instrument Date	May 14, 2019
Instrument	2019067819
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	AMERICAN HOME TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,851.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1560 WELLS RDA, 1560, ORANGE PARK, FL 32073

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5681 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495

Mortgage

Document Number	0055301077
Date	May 28, 2019
Instrument	5530/1077

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 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	$5,001.00 (+45.63%) Homeowner's exemption	$322,300 (+38.43%) Land $70,000 Building $252,300	$322,300 (-0.83%) Land $70,000 Building $252,300
2023	$3,434.00 (+3.06%) Homeowner's exemption	$232,831 (+2.54%)	$325,000 (+21.59%) Land $65,000 Building $260,000
2022	$3,332.00 Homeowner's exemption	$227,056	$267,300 Land $55,000 Building $212,300

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 A, 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

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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