Osceola County property record for 1517 Reflection Cv, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2014 |
| Square Footage | 3,183 sqft Heated Area |
| Lot Size | 6,098 sqft (0.139 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $337,000 (2018) |
| Tax Bill | $7,045.00 (2025) |
| Primary APN | 153658 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,183 sqft Heated Area |
| Gross Area | 3,928 sqft Gross Area |
| 1st Floor | 1,745 sqft 1st Floor |
| Upper Floors | 1,438 sqft Upper Floors |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.139 acres) |
| Depth X Width | 125 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 494 sqft Garage |
| Porch | Finished/Screened Porch |
| Porch Area | 251 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 153658 |
|---|---|
| Street Address | 1517 REFLECTION CV |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7509 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TURTLE CREEK PH 1B PB 19 PG 189-191 LOT 409 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK |
| Legal Phase | 1B |
| Legal Tract | 842 |
| Legal Block | 1 |
| Legal Lot Number | 409 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 43600 |
Source: Osceola County records · APN 153658
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 Record | 2 Individual Names on File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 1517 REFLECTION CV, SAINT CLOUD, FL 34771-7509 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 22, 2017 | Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA |
| May 22, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | 4 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2018 · Amount on Record |
| Deed Sale | May 22, 2018 · Amount on Record |
| Prior Sale | Aug 07, 2015 · Amount on Record |
| Deed Doc Number | 2018080440 |
| Deed Book / Page | 5337 / 2945 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1517 REFLECTION CV, SAINT CLOUD, FL 34771-7509 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1517 REGLECTION CV, SAINT CLOUD, FL 34771-7509 |
| Document Number | 0060271520 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 6027/1520 |
| Instrument | 2021130128 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1517 REFLECTION CV, SAINT CLOUD, FL 34771-7509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052431977 |
|---|---|
| Date | Nov 22, 2017 |
| Book Page | 5243/1977 |
| Instrument | 2017167299 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 22, 2018 |
| Property Address | 1517 REFLECTION CV, SAINT CLOUD, FL 34771-7509 |
| Document Number | 0053372945 |
| Book / Page | 5337 / 2945 |
| Map Reference | MB19 PG189-191 |
| Instrument Date | May 15, 2018 |
| Instrument | 2018080440 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | GOLD STAR TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,359.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1517 REFLECTION CV, 1517, SAINT CLOUD, FL 34771-7509 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1517 REFLECTION CV, SAINT CLOUD, FL 34771-7509 |
| Document Number | 2018080443 |
|---|---|
| Date | May 22, 2018 |
| Instrument | 2018080443 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $7,045.00 (+0.7%) Homeowner's exemption | $436,500 (-0.02%) Land $75,000 Building $361,500 | $436,500 (-0.02%) Land $75,000 Building $361,500 |
| 2023 | $6,996.00 (+11.38%) | $436,600 (+14.38%) Land $65,000 Building $371,600 | $436,600 (+14.38%) Land $65,000 Building $371,600 |
| 2022 | $6,281.00 | $381,700 Land $60,000 Building $321,700 | $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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 61.0 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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