5686 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5686 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	0.189 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,889 (Aug 2019)
Tax Bill	$4 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Dec 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200010100`

Property Details

APN / Parcel Number

Primary APN	`042631012200010100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,678 sqft Heated Area
Gross Area	2,640 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	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	400 sqft
Porch	Finished/Screened Porch
Porch Area	626 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5686 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 10
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	10
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	1971 BANNER LN, SAINT CLOUD, FL 34769-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Dec 20, 2022	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 23, 2021	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 8, 2020	Quit Claim Deed, Transfer VANTAGE POINT TITLE
Aug 23, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2019 · Amount on Record
Deed Sale	Aug 23, 2019 · Amount on Record
Deed Document Number	2019109845
Deed Book / Page	5578 / 1758
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5686 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5685 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495

Mortgage

Document Number	0064750692
Date	Sep 18, 2023
Book Page	6475/692
Instrument	2023122362

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5686 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5686 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0063321524
Date	Dec 20, 2022
Book Page	6332/1524
Instrument	2022181666

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5686 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5686 WESTEN SUN DRIVE, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0060922306
Date	Nov 23, 2021
Book Page	6092/2306
Instrument	2021181590

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 8, 2020
Property Address	5686 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0058081824
Book / Page	005808 / 001824
Instrument Date	Aug 19, 2020
Instrument	135075
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	VANTAGE POINT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1668 BAY BREEZE DR ST CLOUD FL 347717482, ST CLOUD, FL 34771-7482

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2019
Property Address	5686 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Document Number	0055781758
Book / Page	005578 / 001758
Instrument Date	Aug 20, 2019
Instrument	109845
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 2, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.22
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	5686 WESTERN SUN DR ST CLOUD FL 347717492, ST CLOUD, FL 34771-7492

Mortgage

Document Number	55781759
Date	Aug 23, 2019
Book Page	005578/001759
Instrument	109846

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$195,969 (+5.99%)	$331,900 (-0.9%) Land $70,000 Building $261,900
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$184,900 (+2.64%)	$334,900 (+22.72%) Land $65,000 Building $269,900
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$180,147	$272,900 Land $55,000 Building $217,900

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 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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