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1513 Reflection Cv, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1513 Reflection Cv, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2015
Square Footage3,571 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$590,000 (2023)
Tax Bill$7,059.00 (2025)

Property Details

APN / Parcel Number

Primary APN153660
Alternative APN
  • 312531084200014110

Interior

Bedrooms5 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area3,571 sqft Heated Area
Gross Area4,460 sqft Gross Area
1st Floor1,459 sqft 1st Floor
Upper Floors2,112 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2015
Exterior MaterialConcrete Block Exterior
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 Area528 sqft Garage
FenceFence
PorchOpen Porch
Porch Area361 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number153660
Street Address1513 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 411
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK
Legal Phase1B
Legal Tract842
Legal Block1
Legal Lot Number411
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2007
Census Tract43600

Owner

Source: Osceola County records · APN 153660

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 RecordIndividual Name on File
Co-owner2 Verified Secondary Owners
Mailing Address1513 REFLECTION CV, SAINT CLOUD, FL 34771-7509
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2024Intrafamily Transfer, Transfer
Jul 11, 2023Warranty Deed, Transfer
GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST
Jul 18, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
LOW VA RATES LLC
Oct 17, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names4 Verified Names on Deed
Last SaleJul 11, 2023 · Amount on Record
Deed SaleJul 11, 2023 · Amount on Record
Prior SaleJul 11, 2023 · Amount on Record
Deed Doc Number0064381423
Deed Book / Page6438 / 1423
Last Transfer DateFeb 22, 2024
Transfer Doc0065531795
Record RefreshedJun 08, 2026

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateFeb 22, 2024
Property Address1513 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0065531795
Book / Page6553 / 1795
Map ReferenceMB 19 PG 189-191
Instrument DateFeb 22, 2024
Instrument2024023291
Transaction TypeTransfer
Record UpdatedMar 20, 2024

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1513 REFLECTION CV, SAINT CLOUD, FL 34771-7509

Transferred To (Grantee/Buyer)

NameVerified Name
Address1513 REFLECTION CV, SAINT CLOUD, FL 34771-7509

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 11, 2023
Property Address1513 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0064381423
Book / Page6438 / 1423
Map ReferenceMB 19 PG 189-191
Instrument DateJul 07, 2023
Instrument2023088797
Transaction TypeTransfer
Record UpdatedJul 28, 2023
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
Tax$4,130.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1513 REFLECTION CV, SAINT CLOUD, FL 34771-7509

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1513 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0057602960
Instrument DateJul 18, 2020
Transaction TypeMortgage
Record UpdatedSep 02, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1513 REFLECTION CV ST CLOUD FL 347717509, ST CLOUD, FL 34771-7509

Mortgage

Document Number0057602960
DateJul 24, 2020
Book Page005760/002960
Instrument96625
Lender
NameLOW VA RATES LLC
AddressLINDON, UT 84042
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 23, 2050

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1513 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0052392066
Book / Page005239 / 002066
Instrument DateOct 17, 2017
Transaction TypeMortgage
Record UpdatedDec 12, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1513 REFLECTION CV ST CLOUD FL 347717509, ST CLOUD, FL 34771-7509

Mortgage

Document Number0052392066
DateNov 15, 2017
Book Page005239/002066
Instrument163171
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueNov 14, 2047

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$7,059.00 (+176,375%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption$453,900 (+48.02%) Land $75,000 Building $378,900$453,900 (-5.71%) Land $75,000 Building $378,900
2023$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$306,646 (+3%)$481,400 (+14.59%) Land $65,000 Building $416,400
2022$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$297,715$420,100 Land $60,000 Building $360,100

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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