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1515 Reflection Cv, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1515 Reflection Cv, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2014
Square Footage1,894 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$117,873 (2022)
Tax Bill$3,435.00 (2024)

Property Details

APN / Parcel Number

Primary APN31-25-31-0842-0001-4100
Alternative APNs
  • 253131084200014100
  • 153659

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,894 sqft Living Area
Gross Area2,703 sqft Gross Area
1st Floor1,894 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
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 Area331 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1515 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 410
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK PH 1B
Legal Phase1B
Legal Tract842
Legal Block4100
Legal Lot Number410
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2007
Census Tract43600

Owner

Source: Osceola County records · APN 31-25-31-0842-0001-4100

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

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 Address1515 REFLECTION CV, SAINT CLOUD, FL 34771-7509
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
ABSOLUTE HOME MORTGAGE CORP
Feb 03, 2022Quit Claim Deed, Transfer · Federal Housing Administration (FHA) Mortgage
ROUNDPOINT MORTGAGE SERVICING CORP
Jun 19, 2018Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 03, 2022 · Amount on Record
Deed SaleFeb 03, 2022 · Amount on Record
Prior SaleMay 10, 2016 · Amount on Record
Deed Doc Number202218636
Deed Book / Page6143 / 855
Prior Transfer DateJan 29, 2022
Prior Transfer Doc0061430855
Record RefreshedJun 08, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1515 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1515 REFLECTION CV, SAINT CLOUD, FL 34771-7509

Mortgage

Document Number0058921734
DateFeb 17, 2021
Book Page5892/1734
Instrument2021022676
Lender
NameABSOLUTE HOME MORTGAGE CORP
TypeMortgage Company
AddressFAIRFIELD, NJ 07004
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2051

February 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateFeb 03, 2022
Property Address1515 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0061430855
Book / Page6143 / 855
Map ReferenceMB 19 PG 189-191
Instrument DateJan 29, 2022
Instrument2022018636
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyNOT AVAILABLE, TIER 1 TITLE LLC

Transaction

AmountAmount Recorded
Tax$825.30
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name
Address1515 REFLECTION CV, 1515, SAINT CLOUD, FL 34771-7509

Transferred To (Grantee/Buyer)

NameVerified Name
Address1515 REFLECTION CV, SAINT CLOUD, FL 34771-7509

Mortgage

Document Number0006143857
DateFeb 03, 2022
Instrument6143/857
Lender
NameROUNDPOINT MORTGAGE SERVICING CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1515 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0053632685
Instrument DateJun 19, 2018
Transaction TypeMortgage
Record UpdatedJul 25, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1515 REFLECTION CV ST CLOUD FL 347717509, ST CLOUD, FL 34771-7509

Mortgage

Document Number0053632685
DateJul 10, 2018
Book Page005363/002685
Instrument104666
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term336 Months
DueJul 09, 2046

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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$3,557.00 (+3.55%) Homeowner's exemption$241,605 (+5.99%)$348,900 (+0.63%) Land $75,000 Building $273,900
2024$3,435.00 (+2.66%)
2023$3,346.00 (+3.62%) Homeowner's exemption$227,958 (+3%)$346,700 (+14.08%) Land $65,000 Building $281,700
2022$3,229.00 Homeowner's exemption$221,319$303,900 Land $60,000 Building $243,900

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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