
5631 WESTERN SUN DRIVE, ST CLOUD, FL, 34771
Active43 days on marketListed Jun 11, 2026MLS #S5151652
About this home
5631 WESTERN SUN DRIVE
PRICE IMPROVEMENT! Located in the desirable Estates of Westerly community, this 4-bedroom, 2-bathroom home offers a thoughtfully designed split-bedroom floor plan, spacious living areas, and modern finishes throughout. The inviting layout provides both privacy and functionality, making it ideal for everyday living and entertaining alike. Upon entering the home, you'll find a secondary bedroom near the front of the property, creating a convenient space for guests, a home office, or flexible use. The entryway then opens into the heart of the home, where the kitchen, dining area, and living room come together in a bright, open-concept design. The kitchen is equipped with granite countertops, stainless steel appliances, abundant cabinetry, a pantry, and a large center island with seating that overlooks the main living and dining areas. The open layout creates a seamless flow throughout the home while large sliding glass doors bring in natural light and provide direct access to the covered lanai and backyard. Privately situated at the rear of the home, the primary suite offers generous space along with a large walk-in closet and an ensuite bathroom featuring dual vanities and a spacious walk-in shower. Two additional bedrooms and a full bathroom are positioned on the opposite side of the home, providing a comfortable layout for family and guests. Step outside to enjoy a covered lanai overlooking a fully fenced backyard highlighted by an expansive custom paver patio, creating an ideal setting for outdoor dining, entertaining, or relaxing. The backyard also features a storage shed, offering additional space for tools, equipment, and seasonal items. The property is equipped with solar panels, helping provide energy efficiency and potential utility savings. Residents of Estates of Westerly enjoy access to a community pool and additional neighborhood amenities, enhancing the overall lifestyle and convenience of the community. Conveniently located near Lake Nona, Medical City, Narcoossee Road, major highways, shopping, dining, and everyday conveniences, this home combines modern comfort, functional design, energy efficiency, and an excellent Central Florida location.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,843
Sqft
0.17 ac
Lot size
2
Garage
2019
Year built
One
Levels
$201
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,897 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,897/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−7.4%
$/sqft vs St Cloud actives
$201 vs $221
Days on market
43 vs 33 typical
Where $201/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
193 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5631 WESTERN SUN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$395,000
1694 GENTLE BREEZE DRIVE · same community
4 bd · 2 ba · 1,843 sqft · $214/sqft · 31 DOM
Sold · Aug ’25$337,000
1685 GENTLE BREEZE DRIVE · same community
3 bd · 2 ba · 1,678 sqft · $201/sqft · 2 DOM
Sold · Oct ’25$350,000
5600 WESTERLY BREEZE PLACE · same community
3 bd · 2 ba · 1,614 sqft · $217/sqft · 13 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5631 WESTERN SUN DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5631 WESTERN SUN DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
5631 WESTERN SUN DRIVE FAQs
What would the monthly payment be for 5631 WESTERN SUN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,897/mo — principal and interest, the actual property-tax bill, the $77/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 5631 WESTERN SUN DRIVE?+
The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5631 WESTERN SUN DRIVE?+
The most recent tax bill on record (2025) was $3,821. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5631 WESTERN SUN DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $370,000, this home is listed about 13% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5631 WESTERN SUN DRIVE?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5151652.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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