5682 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5682 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,875 sqft · built 2019
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$267,564 (Apr 2019)
Tax Bill	$3,709 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042631012200010120`

Property Details

APN / Parcel Number

Primary APN	`042631012200010120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,875 sqft Heated Area
Gross Area	2,506 sqft
1st Floor Area	777 sqft
Upper Floors Area	1,098 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5682 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 12
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	12
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	5682 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2020	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Apr 2, 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	Apr 2, 2019 · Amount on Record
Deed Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	2019041163
Deed Book / Page	5501 / 0564
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5682 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5682 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0058171116
Date	Oct 22, 2020
Book Page	5817/1116
Instrument	2020142710

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2019
Property Address	5682 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0055010564
Book / Page	5501 / 0564
Map Reference	MB 26 PG 193
Instrument Date	Mar 29, 2019
Instrument	2019041163
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	AMERICAN HOME T&E CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,873.20
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
Relationship	Joint Tenants
Address	5682 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	2019041164
Date	Apr 2, 2019
Instrument	2019041164

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 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	$3,709.00 (+6.24%) Homeowner's exemption	$250,148 (+5.99%)	$323,700 (-0.77%) Land $70,000 Building $253,700
2023	$3,491.00 (+3.59%) Homeowner's exemption	$236,019 (+3%)	$326,200 (+20.37%) Land $65,000 Building $261,200
2022	$3,370.00 Homeowner's exemption	$229,145	$271,000 Land $55,000 Building $216,000

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 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 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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