5693 Western Sun Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5693 Western Sun Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,884 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$303,990 (Apr 2019)
Tax Bill	$10,739 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200012200`

Property Details

APN / Parcel Number

Primary APN	`042631012200012200`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,884 sqft Heated Area
Gross Area	4,025 sqft
1st Floor Area	1,324 sqft
Upper Floors Area	1,560 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	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	483 sqft
Porch	Finished/Screened Porch
Porch Area	98 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5693 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 220
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	220
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
Mailing Address	5693 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage HOMETAP EQUITY PARTNERS LLC
Feb 18, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 22, 2020	Deed of Trust, Mortgage MR COOPER
Apr 29, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Deed Document Number	2019054358
Deed Book / Page	5515 / 0816
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5693 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5693 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495

Mortgage

Document Number	0068692824
Date	Oct 23, 2025
Book Page	6869/2824
Instrument	2025131963

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Mortgage Company
Address	BOSTON, MA 02116

Agreement

Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5693 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5693 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495

Mortgage

Document Number	0061540429
Date	Feb 18, 2022
Book Page	6154/429
Instrument	2022027552

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5693 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Document Number	0057642069
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5693 WESTERN SUN DR ST CLOUD FL 347717495, ST CLOUD, FL 34771-7495

Mortgage

Document Number	0057642069
Date	Jul 30, 2020
Book Page	005764/002069
Instrument	99446

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

April 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 29, 2019
Property Address	5693 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495
Document Number	0055150816
Book / Page	5515 / 0816
Map Reference	MB 26 PG 193-195
Instrument Date	Apr 24, 2019
Instrument	2019054358
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,128.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5693 WESTERN SUN DR, SAINT CLOUD, FL 34771-7495

Mortgage

Document Number	2019054359
Date	Apr 29, 2019
Instrument	2019054359

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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	$10,739.00 (+0.02%) Homeowner's exemption	$424,700 (+2.39%) Land $70,000 Building $354,700	$424,700 (+2.39%) Land $70,000 Building $354,700
2023	$10,737.00 (+11.84%)	$414,800 (+26.89%) Land $65,000 Building $349,800	$414,800 (+26.89%) Land $65,000 Building $349,800
2022	$9,600.00	$326,900 Land $55,000 Building $271,900	$326,900 Land $55,000 Building $271,900

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
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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