Osceola County property record for 1545 Reflection Cv, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2007 |
| Square Footage | 2,581 sqft Heated Area |
| Lot Size | 6,229 sqft (0.142 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $184,900 (2010) |
| Tax Bill | $2,638.00 (2025) |
| Primary APN | 153635 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,581 sqft Heated Area |
| Gross Area | 3,413 sqft Gross Area |
| 1st Floor | 2,060 sqft 1st Floor |
| Upper Floors | 521 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2007 |
|---|---|
| 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 | 6,229 sqft (0.142 acres) |
| Depth X Width | 125 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 521 sqft Garage |
| Porch | Open Porch |
| Porch Area | 311 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 153635 |
|---|---|
| Street Address | 1545 REFLECTION CV |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7510 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TURTLE CREEK PH 1B PB 19 PG 189-191 LOT 386 |
| 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 | 386 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2021 |
| Census Tract | 43600 |
Source: Osceola County records · APN 153635
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 | Individual Name on File |
|---|---|
| Mailing Address | 1545 REFLECTION CV, SAINT CLOUD, FL 34771-7510 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 06, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS |
| Jul 07, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 09, 2010 · Amount on Record |
| Deed Sale | Jun 09, 2010 · Amount on Record |
| Deed Doc Number | 2010082977 |
| Deed Book / Page | 3994 / 1984 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1545 REFLECTION CV, SAINT CLOUD, FL 34771-7510 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1545 REFLECTION CV, SAINT CLOUD, FL 34771-7510 |
| Document Number | 0064361845 |
|---|---|
| Date | Jul 06, 2023 |
| Book Page | 6436/1845 |
| Instrument | 2023087266 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 01, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1545 REFLECTION CV, SAINT CLOUD, FL 34771-7510 |
| Document Number | 0057670943 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 03, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1545 REFLECTION CV ST CLOUD FL 347717510, ST CLOUD, FL 34771-7510 |
| Document Number | 0057670943 |
|---|---|
| Date | Aug 03, 2020 |
| Book Page | 005767/000943 |
| Instrument | 101177 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | STERLING HEIGHTS, MI 48310 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 02, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1545 REFLECTION CV, SAINT CLOUD, FL 34771-7510 |
| Document Number | 0051790764 |
| Book / Page | 005179 / 000764 |
| Instrument Date | Jul 07, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 1545 REFLECTION CV ST CLOUD FL 347717510, ST CLOUD, FL 34771-7510 |
| Document Number | 0051790764 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 005179/000764 |
| Instrument | 102545 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2047 |
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 | $2,638.00 (+6.63%) Homeowner's exemption | $190,308 (+5.99%) | $387,800 (+0.26%) Land $75,000 Building $312,800 |
| 2023 | $2,474.00 (+3.86%) Homeowner's exemption | $179,559 (+3%) | $386,800 (+14.3%) Land $65,000 Building $321,800 |
| 2022 | $2,382.00 Homeowner's exemption | $174,330 | $338,400 Land $60,000 Building $278,400 |
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 X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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