
5629 WESTERN SUN DRIVE, ST CLOUD, FL, 34771
Active144 days on marketListed Mar 17, 2026MLS #O6391381
About this home
5629 WESTERN SUN DRIVE
Welcome to this beautifully upgraded Richmond American “Onyx” model, where modern design, thoughtful enhancements, and true pride of ownership come together to deliver a fully move-in ready experience. Fresh interior paint and brand-new sod create an immediate sense of arrival, offering a clean, refreshed aesthetic that enhances both curb appeal and interior ambiance. Inside, a bright and open-concept layout unfolds, designed with both everyday living and effortless entertaining in mind. The split-bedroom floor plan offers ideal privacy, with two secondary bedrooms and a full bath thoughtfully positioned at the front of the home, while the main living areas flow seamlessly together in the heart of the residence. The kitchen serves as a true focal point—elevated with a large center island with seating and integrated sink, stainless steel appliances, and custom backsplash detailing that extends throughout and wraps the island for a cohesive, designer finish. Shiplap accents introduce warmth and texture, creating a refined, model-like presentation that stands apart from typical new construction offerings. The living space is both inviting and well-appointed, anchored by a custom-built fireplace that adds character and a sophisticated focal element rarely found at this price point. A dedicated tech center just off the main area provides flexible functionality, ideal for a home office, study space, or daily organization. The primary suite offers a private retreat, complete with a spacious walk-in closet and en-suite bath, along with its own custom fireplace feature—adding an unexpected layer of comfort and elevated design. Outdoor living is where this home truly shines. An extended, covered, and fully screened lanai with high-end paver finishes creates a seamless indoor-outdoor experience, perfect for entertaining or unwinding in your own private setting. The fully fenced backyard enhances both privacy and usability, ideal for pets, gatherings, or simply enjoying the Florida lifestyle. Blending upgraded finishes, intentional design, and functional living spaces, this residence offers a complete and refined lifestyle for today’s buyer—well-maintained, thoughtfully curated, and ready to impress from the moment you arrive.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,600
Sqft
0.17 ac
Lot size
2
Garage
2020
Year built
One
Levels
$247
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.
$2,815 /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
$2,815/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
+8.5%
$/sqft vs St Cloud actives
$247 vs $218
Days on market
144 vs 43 typical
Where $247/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
$412K → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
220 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 8% 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 5629 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 · Jun ’26$356,000
1687 BAY BREEZE DRIVE · same community
3 bd · 2 ba · 1,676 sqft · $212/sqft · 70 DOM
Sold · Oct ’25$399,990
1956 IORIO STREET
3 bd · 2 ba · 1,643 sqft · $243/sqft · 0 DOM
Sold · Jun ’26$414,369
5886 ALI GRACE WAY
3 bd · 2 ba · 1,643 sqft · $252/sqft · 73 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 5629 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 5629 WESTERN SUN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5629 WESTERN SUN DRIVE FAQs
What would the monthly payment be for 5629 WESTERN SUN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,815/mo — principal and interest, the actual property-tax bill, the $92/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 5629 WESTERN SUN DRIVE?+
The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5629 WESTERN SUN DRIVE?+
The most recent tax bill on record (2025) was $753. 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 5629 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 $395,000, this home is listed about 8% below the St Cloud median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5629 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.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$395,000 is 8% below the ST CLOUD 34771 median of $429,000.
02Time on market is leverage
144 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $415,000, now $395,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Michael Garcia. MLS #O6391381.
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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