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1511 Reflection Cv, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1511 Reflection Cv, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms4 Baths
Year BuiltBuilt 2014
Square Footage2,679 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$304,700 (2018)
Tax Bill$4,034.00 (2025)

Property Details

APN / Parcel Number

Primary APN153661
Alternative APN
  • 312531084200014120

Interior

Bedrooms3 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,679 sqft Heated Area
Gross Area3,486 sqft Gross Area
1st Floor1,255 sqft 1st Floor
Upper Floors1,424 sqft Upper Floors
Stories2 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2014
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.139 acres)
Depth X Width125 ft x 50 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area486 sqft Garage
FenceFence
PorchFinished/Screened Porch
Porch Area321 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number153661
Street Address1511 REFLECTION CV
CitySAINT CLOUD
StateFL
Zip34771-7509
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTURTLE CREEK PH 1B PB 19 PG 189-191 LOT 412
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK
Legal Phase1B
Legal Tract842
Legal Block1
Legal Lot Number412
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2007
Census Tract43600

Owner

Source: Osceola County records · APN 153661

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Individual Names on File
Mailing Address1511 REFLECTION CV, SAINT CLOUD, FL 34771-7509
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
MORTGAGE RESEARCH CENTER LLC
Jan 11, 2018Warranty Deed, Transfer · Veterans Administration Mortgage
VETERANS UNITED HM LNS
Jan 19, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 11, 2018 · Amount on Record
Deed SaleJan 11, 2018 · Amount on Record
Prior SaleNov 26, 2014 · Amount on Record
Deed Doc Number2018005925
Deed Book / Page5267 / 2669
Record RefreshedJun 08, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1511 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Transaction TypeMortgage
Record UpdatedAug 01, 2022
Title CompanyFIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

NameVerified Name
Address1511 REFLECTION CV, SAINT CLOUD, FL 34771-7509

Mortgage

Document Number0058190612
DateOct 26, 2020
Book Page5819/612
Instrument2020144433
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 11, 2018
Property Address1511 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0052672669
Book / Page005267 / 002669
Instrument DateJan 09, 2018
Instrument5925
Transaction TypeTransfer
Record UpdatedFeb 09, 2018
Title CompanyQUALITY TITLE AND ESCROW LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,132.90
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address9234 NORTHLAKE PKWY #107 ORLANDO FL 328275720, 107, ORLANDO, FL 32827-5720

Mortgage

Document Number52672671
DateJan 11, 2018
Book Page005267/002671
Instrument5926
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJan 10, 2048

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1511 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0050941519
Book / Page005094 / 001519
Instrument DateJan 19, 2017
Transaction TypeMortgage
Record UpdatedFeb 20, 2017
Title CompanyTRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1511 REFLECTION CV ST CLOUD FL 347717509, ST CLOUD, FL 34771-7509

Mortgage

Document Number0050941519
DateJan 31, 2017
Book Page005094/001519
Instrument16877
Lender
NameBANK OF KANSAS CITY
TypeBank
AddressTULSA, OK 74153
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term180 Months
DueJan 30, 2032

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$4,034.00 (+6.19%) Homeowner's exemption$268,255 (+5.99%)$402,200 (-2.31%) Land $75,000 Building $327,200
2023$3,799.00 (+3.54%) Homeowner's exemption$253,102 (+3%)$411,700 (+14.23%) Land $65,000 Building $346,700
2022$3,669.00 Homeowner's exemption$245,731$360,400 Land $60,000 Building $300,400

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 AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation61.0 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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