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1523 Reflection Cv, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1523 Reflection Cv, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2014
Square Footage3,091 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$430,000 (2021)
Tax Bill$6,569.00 (2025)

Property Details

APN / Parcel Number

Primary APN153655
Alternative APN
  • 312531084200014060

Interior

Bedrooms5 Beds
Full Baths4 Baths
Building Area3,091 sqft Heated Area
Gross Area3,968 sqft Gross Area
1st Floor1,459 sqft 1st Floor
Upper Floors1,632 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
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 Area528 sqft Garage
PorchOpen Porch
Porch Area349 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number153655
Street Address1523 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 406
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK
Legal Phase1B
Legal Tract842
Legal Block1
Legal Lot Number406
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2007
Census Tract43600

Owner

Source: Osceola County records · APN 153655

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-ownerVerified Secondary Owner
Mailing Address1523 REFLECTION CV, SAINT CLOUD, FL 34771-7509
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2021Special Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Nov 18, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Dec 31, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
ROUNDPOINT MORTGAGE SERVICING CORP
Jan 30, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 16, 2021 · Amount on Record
Deed SaleAug 16, 2021 · Amount on Record
Prior SaleJan 30, 2019 · Amount on Record
Deed Doc Number2021126503
Deed Book / Page6023 / 667
Record RefreshedJun 08, 2026

August 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 16, 2021
Property Address1523 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0060230667
Book / Page6023 / 667
Map ReferenceMB 19 PG 189-191
Instrument DateJul 30, 2021
Instrument2021126503
Transaction TypeTransfer
Record UpdatedAug 30, 2021
Title CompanyFLORIDA TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1523 REFLECTION CV, 1523, SAINT CLOUD, FL 34771-7509

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address5964 JACK BRACK RD, SAINT CLOUD, FL 34771-9240
InvestorPossibly a Property Investor

Mortgage

Document Number6023669
DateAug 16, 2021
Instrument6023/669
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2051

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1523 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058350881
DateNov 18, 2020
Book Page5835/881
Instrument2020157911
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1523 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056492755
DateDec 31, 2019
Book Page5649/2755
Instrument2019169350
Lender
NameROUNDPOINT MORTGAGE SERVICING CORP
TypeMortgage Company
AddressFORT MILL, SC 29715
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2050

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 30, 2019
Property Address1523 REFLECTION CV, SAINT CLOUD, FL 34771-7509
Document Number0054692568
Book / Page5469 / 2568
Map ReferenceMB 19 PG 189-191
Instrument DateJan 25, 2019
Instrument2019012130
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyTHE CLOSING AGENCY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,282.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressCLONTURK ARDEE ROAD CARRICKMACROSS CO MONAGHAN IRE, XX 00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address1523 REFLECTION CV, SAINT CLOUD, FL 34771-7509

Mortgage

Document Number2019012131
DateJan 30, 2019
Instrument2019012131
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2049

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$6,569.00 (+5.85%) Homeowner's exemption$409,919 (+5.99%)$429,400 (+0.02%) Land $75,000 Building $354,400
2023$6,206.00 (+3.31%) Homeowner's exemption$386,765 (+3%)$429,300 (+14.33%) Land $65,000 Building $364,300
2022$6,007.00 Homeowner's exemption$375,500 Land $60,000 Building $315,500$375,500 Land $60,000 Building $315,500

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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