Osceola County property record for 1497 Reflection Cv, Saint Cloud, FL 34771 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,847 sqft Living Area |
| Lot Size | 6,098 sqft (0.14 acres) |
| Garage | Attached, 494 sqft |
| Last Sale | $435,000 (2024) |
| Tax Bill | $7,839.00 (2024) |
| Primary APN | 31-25-31-0842-0001-4290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,847 sqft Living Area |
| Gross Area | 3,598 sqft Gross Area |
| 1st Floor | 1,745 sqft 1st Floor |
| Upper Floors | 1,102 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.14 acres) |
| Depth X Width | 125 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 494 sqft Garage |
| Porch Area | 257 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1497 REFLECTION CV |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7508 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TURTLE CREEK PH 1B PB 19 PG 189-191 LOT 429 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK PH 1B |
| Legal Phase | 1B |
| Legal Tract | 842 |
| Legal Block | 4290 |
| Legal Lot Number | 429 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 43600 |
Source: Osceola County records · APN 31-25-31-0842-0001-4290
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1497 REFLECTION CV, SAINT CLOUD, FL 34771-7508 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Dec 05, 2023 | Warranty Deed, Transfer HOMEWARD TITLE, HOMEWARD TITLE 2 LLC |
| Sep 20, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage PENNYMAC |
| May 25, 2018 | Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 27, 2024 · Amount on Record |
| Deed Sale | Jun 27, 2024 · Amount on Record |
| Prior Sale | Dec 05, 2023 · Amount on Record |
| Deed Doc Number | 202484449 |
| Deed Book / Page | 6624 / 788 |
| Prior Transfer Date | Mar 14, 2024 |
| Prior Transfer Doc | 0065680309 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 05, 2023 |
| Property Address | 1497 REFLECTION CV, SAINT CLOUD, FL 34771-7508 |
| Document Number | 0065141474 |
| Book / Page | 6514 / 1474 |
| Map Reference | MB 19 PG 189-191 |
| Instrument Date | Dec 05, 2023 |
| Instrument | 2023158648 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2024 |
| Title Company | HOMEWARD TITLE, HOMEWARD TITLE 2 LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,012.80 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3401 WINDERMERE ST, COLUMBUS, GA 31909-4753 |
| Name | Verified Name |
|---|---|
| Address | 1001 S CAPITAL OF TEXAS HWY # 100, 100, WEST LAKE HILLS, TX 78746-6450 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1497 REFLECTION CV, SAINT CLOUD, FL 34771-7508 |
| Document Number | 0055961823 |
| Instrument Date | Sep 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1497 REFLECTION CV ST CLOUD FL 347717508, ST CLOUD, FL 34771-7508 |
| Document Number | 0055961823 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 005596/001823 |
| Instrument | 125181 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 26, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 25, 2018 |
| Property Address | 1497 REFLECTION CV, SAINT CLOUD, FL 34771-7508 |
| Document Number | 0053392463 |
| Book / Page | 5339 / 2463 |
| Map Reference | MB19 PG189-191 |
| Instrument Date | May 23, 2018 |
| Instrument | 2018082345 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 1497 REFLECTION CV, SAINT CLOUD, FL 34771-7508 |
| Document Number | 2018082346 |
|---|---|
| Date | May 25, 2018 |
| Instrument | 2018082346 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,627.00 (-2.7%) | $425,900 (+68.14%) Land $75,000 Building $350,900 | $425,900 (-2.45%) Land $75,000 Building $350,900 |
| 2024 | $7,839.00 (+195,875%) | ||
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $253,298 (+3%) | $436,600 (+14.38%) Land $65,000 Building $371,600 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $245,921 | $381,700 Land $60,000 Building $321,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 44% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,136 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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