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1491 Reflection Cv, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1491 Reflection Cv, Saint Cloud, FL 34771 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage1,894 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$300,000 (2020)
Tax Bill$4,082.00 (2025)

Property Details

APN / Parcel Number

Primary APN31-25-31-0842-0001-4320
Alternative APNs
  • 253131084200014320
  • 153681

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,894 sqft Living Area
Gross Area2,613 sqft Gross Area
1st Floor1,894 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.14 acres)
Depth X Width125 ft x 50 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area478 sqft Garage
Porch Area241 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1491 REFLECTION CV
CitySAINT CLOUD
StateFL
Zip34771-7508
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTURTLE CREEK PH 1B PB 19 PG 189-191 LOT 432
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK PH 1B
Legal Phase1B
Legal Tract842
Legal Block4320
Legal Lot Number432
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2001
Census Tract43600

Owner

Source: Osceola County records · APN 31-25-31-0842-0001-4320

Assessment roll updated November 26, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jun 04, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Apr 04, 2022Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 05, 2020Warranty Deed, Transfer · Conventional Mortgage
THE MORTGAGE FIRM INC
Feb 03, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
PENNYMAC
Nov 30, 2017Deed, Subdivision Related Transfer · Veterans Administration Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 05, 2020 · Amount on Record
Deed SaleAug 05, 2020 · Amount on Record
Prior SaleNov 30, 2017 · Amount on Record
Deed Doc Number2020102712
Deed Book / Page5768 / 2676
Last Transfer DateMay 07, 2026
Transfer Doc0000073726
Record RefreshedSep 20, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 04, 2026
Property Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508
Document Number0000073726
Book / Page6982 / 2826
Instrument DateMay 07, 2026
Instrument202673726
Transaction TypeTransfer
Record UpdatedJun 15, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508
Transaction TypeMortgage
Record UpdatedApr 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508

Mortgage

Document Number0061862875
DateApr 04, 2022
Book Page6186/2875
Instrument2022053589
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2052

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 05, 2020
Property Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508
Document Number0057682676
Book / Page5768 / 2676
Map ReferenceMB 19 PG 189-191
Instrument DateJul 17, 2020
Instrument2020102712
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCORETITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5299 BRYDON WOODS CIR, 5299, SAINT CLOUD, FL 34771-8049

Transferred To (Grantee/Buyer)

NameVerified Name
Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508

Mortgage

Document Number0057682678
DateAug 05, 2020
Instrument5768/2678
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2050

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508
Document Number0056712153
Instrument DateFeb 03, 2020
Transaction TypeMortgage
Record UpdatedFeb 27, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1491 REFLECTION CV ST CLOUD FL 347717508, ST CLOUD, FL 34771-7508

Mortgage

Document Number0056712153
DateFeb 10, 2020
Book Page005671/002153
Instrument20070
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 09, 2050

November 2017: Deed, Subdivision Related Transfer

Document TypeDeed
JurisdictionOSCEOLA FL
Recording DateNov 30, 2017
Property Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508
Document Number0052460976
Book / Page5246 / 0976
Map ReferenceMB19 PG189-191
Instrument DateNov 29, 2017
Instrument2017169942
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 19, 2021
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

NameVerified Name
Address1491 REFLECTION CV, SAINT CLOUD, FL 34771-7508

Mortgage

Document Number2017169943
DateNov 30, 2017
Instrument2017169943
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,082.00 (+6.16%) Homeowner's exemption$270,983 (+5.99%)$338,500 (+0.77%) Land $75,000 Building $263,500
2023$3,845.00 (+3.53%) Homeowner's exemption$255,676 (+3%)$335,900 (+14.1%) Land $65,000 Building $270,900
2022$3,714.00 Homeowner's exemption$248,230$294,400 Land $60,000 Building $234,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskModerate
above 44% of the US · above 14% of Florida
Wildfire LikelihoodAbout 1 in 1,136 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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