Osceola County property record for 1603 Reflection Cv, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Condominium / Townhouse > Townhouse |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2016 |
| Square Footage | 1,928 sqft Heated Area |
| Lot Size | 3,615 sqft (0.082 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $206,940 (2016) |
| Tax Bill | $2,927.00 (2025) |
| Primary APN | 143847 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,928 sqft Heated Area |
| Gross Area | 2,324 sqft Gross Area |
| 1st Floor | 947 sqft 1st Floor |
| Upper Floors | 981 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 3,615 sqft (0.082 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 294 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 102 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 143847 |
|---|---|
| Street Address | 1603 REFLECTION CV |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7552 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | TURTLE CREEK PH 1A PB 19 PG 22-25 LOT 174 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK TOWNHOMES |
| Legal Phase | 1A |
| Legal Tract | 840 |
| Legal Block | 1 |
| Legal Lot Number | 174 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2014 |
| Census Tract | 43600 |
Source: Osceola County records · APN 143847
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1603 REFLECTION CV, SAINT CLOUD, FL 34771-7552 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 18, 2023 | Deed of Trust, Mortgage · Stand Alone Second Mortgage DISCOVER BANK |
| Jun 01, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 23, 2016 · Amount on Record |
| Deed Sale | Sep 23, 2016 · Amount on Record |
| Deed Doc Number | 2016145523 |
| Deed Book / Page | 5030 / 0204 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1603 REFLECTION CV, SAINT CLOUD, FL 34771-7552 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1603 REFLECTION CV, SAINT CLOUD, FL 34771-7552 |
| Document Number | 0063452681 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 6345/2681 |
| Instrument | 2023006669 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 20, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1603 REFLECTION CV, SAINT CLOUD, FL 34771-7552 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1603 REFLECTION CV, SAINT CLOUD, FL 34771-7552 |
| Document Number | 0059692314 |
|---|---|
| Date | Jun 01, 2021 |
| Book Page | 5969/2314 |
| Instrument | 2021084086 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Apr 01, 2051 |
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 | $2,927.00 (+6.48%) Homeowner's exemption | $206,447 (+5.99%) | $296,700 (-1.46%) Land $40,000 Building $256,700 |
| 2023 | $2,749.00 (+3.81%) Homeowner's exemption | $194,786 (+3%) | $301,100 (+25.09%) Land $14,900 Building $286,200 |
| 2022 | $2,648.00 Homeowner's exemption | $189,113 | $240,700 Land $14,900 Building $225,800 |
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 100 ft |
| Wildfire Risk | Moderate above 58% of the US · above 31% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 633 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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