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1521 Reflection Cv, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1521 Reflection Cv, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2014
Square Footage3,183 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$304,990 (2015)
Tax Bill$2,513.00 (2024)

Property Details

APN / Parcel Number

Primary APN31-25-31-0842-0001-4070
Alternative APNs
  • 253131084200014070
  • 153656

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Building Area3,183 sqft Living Area
Gross Area3,950 sqft Gross Area
1st Floor1,745 sqft 1st Floor
Upper Floors1,438 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
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 Area494 sqft Garage
Porch Area425 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1521 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 407
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK PH 1B
Legal Phase1B
Legal Tract842
Legal Block4070
Legal Lot Number407
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2007
Census Tract43600

Owner

Source: Osceola County records · APN 31-25-31-0842-0001-4070

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 RecordIndividual Name on File
Mailing Address1521 REFLECTION CV, SAINT CLOUD, FL 34771-7509
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Mar 14, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
OCEAN LENDING HOME LOANS INC
Jun 06, 2018Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 12, 2015 · Amount on Record
Deed SaleAug 12, 2015 · Amount on Record
Deed Doc Number2015120140
Deed Book / Page4825 / 1280
Last Transfer DateFeb 18, 2022
Transfer Doc0061701513
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 27, 2026
Property Address1521 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0000097224
Book / Page7009 / 1409
Instrument DateJul 20, 2026
Instrument202697224
Transaction TypeMortgage
Record UpdatedAug 05, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1521 REFLECTION CV, SAINT CLOUD, FL 34771-7509

Mortgage

Document Number0000097224,
DateJul 27, 2026
Book Page7009/1409
Instrument202697224
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueAug 01, 2046
Interest
Rate TypeFixed Rate
Rate6.47%
Initial TypeFixed Rate
Max Rate-1%

March 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMar 14, 2022
Property Address1521 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0061701513
Book / Page6170 / 1513
Map ReferenceMB 19 PG 189-191
Instrument DateFeb 18, 2022
Instrument2022040318
Transaction TypeTransfer
Record UpdatedMar 29, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1521 REFLECTION CV, SAINT CLOUD, FL 34771-7509

Mortgage

Document Number0061701516
DateMar 14, 2022
Instrument6170/1516
Lender
NameOCEAN LENDING HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2052

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1521 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyYOUR TITLE CONNECTION LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053451951
DateJun 06, 2018
Book Page5345/1951
Instrument2018087443
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2048

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$2,605.00 (+3.66%) Homeowner's exemption$188,452 (+5.99%)$437,400 (-0.02%) Land $75,000 Building $362,400
2024$2,513.00 (+2.87%)
2023$2,443.00 (+3.91%) Homeowner's exemption$177,807 (+3%)$437,500 (+14.38%) Land $65,000 Building $372,500
2022$2,351.00 Homeowner's exemption$172,629$382,500 Land $60,000 Building $322,500

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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