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1701 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1701 Reflection Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms4 Baths
Year BuiltBuilt 2017
Square Footage2,350 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
GarageFinished, 592 sqft
OccupancyOwner Occupied
Tax Bill$3,174.00 (2025)

Property Details

APN / Parcel Number

Primary APN052631087600010520

Interior

Bedrooms3 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,350 sqft Heated Area
Gross Area3,223 sqft Gross Area
1st Floor1,915 sqft 1st Floor
Upper Floors435 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.169 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area592 sqft Garage
FenceFence
PorchOpen Porch
Porch Area281 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1701 REFLECTION LN
CitySAINT CLOUD
StateFL
Zip34771-7553
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPRESERVE AT TURTLE CREEK PH 2 PB 24 PG 42-44 LOT 52
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionTURTLE CREEK
Legal Phase2
Legal Tract876
Legal Lot Number52
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2068
Census Tract43600

Owner

Source: Osceola County records · APN 052631087600010520

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
Mailing Address1701 REFLECTION LN, SAINT CLOUD, FL 34771-7553
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 06, 2021Deed of Trust, Mortgage · Conventional Mortgage
GOODLEAP LLC
Jul 17, 2020Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage
WINTRUST MTG
May 24, 2017Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
MORTGAGE FINANCIAL GROUP INC
Feb 24, 2017Warranty Deed, Transfer
DREAM FINDERS TITLE LLC
Mar 03, 2017Loan Modification, Mortgage
TEXAS CAP BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 22, 2020
Deed SaleJan 22, 2020
Deed Doc Number2017075940
Deed Book / Page5153 / 0259
Prior Transfer DateMay 24, 2017
Prior Transfer Doc2017075940
Record RefreshedJun 08, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1701 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Transaction TypeMortgage
Record UpdatedDec 22, 2021
Title CompanyNATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
Address1701 REFLECTION LN, SAINT CLOUD, FL 34771-7553

Mortgage

Document Number0061010568
DateDec 06, 2021
Book Page6101/568
Instrument2021187697
Lender
NameGOODLEAP LLC
TypeNon-Lending Institution
AddressROSEVILLE, CA 95661
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2051

July 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1701 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0058001940
Instrument DateJul 17, 2020
Transaction TypeMortgage
Record UpdatedOct 21, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1701 REFLECTION LN ST CLOUD FL 347717553, ST CLOUD, FL 34771-7553

Mortgage

Document Number0058001940
DateSep 25, 2020
Book Page005800/001940
Instrument129195
Lender
NameWINTRUST MTG
TypeMortgage Company
AddressROSEMONT, IL 60018
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 24, 2050
Interest
Rate TypeFixed Rate
Rate3.62%

May 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 24, 2017
Property Address1701 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0051530259
Book / Page5153 / 0259
Map ReferenceMB24 PG42-43
Instrument DateMay 17, 2017
Instrument2017075940
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyDREAM FINDERS TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,131.50
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address360 CORPORATE WAY, 360, ORANGE PARK, FL 32073-6290

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1701 REFLECTION LN, SAINT CLOUD, FL 34771-7553

Mortgage

Document Number0051530261
DateMay 24, 2017
Instrument5153/0261
Lender
NameMORTGAGE FINANCIAL GROUP INC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2047

February 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 24, 2017
Property Address1701 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0051071774
Book / Page005107 / 001774
Instrument DateFeb 22, 2017
Instrument30288
Transaction TypeTransfer
Record UpdatedApr 10, 2017
Title CompanyDREAM FINDERS TITLE LLC

Transaction

AmountAmount Recorded
Tax$3,200.00
Amount AccuracyConfirmed
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290
InvestorPossibly a Property Investor

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateMar 03, 2017
Property Address1701 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0051110970
Book / Page005111 / 000970
Instrument DateFeb 22, 2017
Instrument34136
Transaction TypeMortgage
Record UpdatedApr 11, 2017

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290

Mortgage

Document Number51110970
DateMar 03, 2017
Book Page005111/000970
Instrument34136
Lender
NameTEXAS CAP BK
TypeBank
Address2350 LAKESIDE BLVD # 800, RICHARDSON, TX 75082-4340
Agreement
AmountAmount Recorded

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$3,174.00 (+6.4%) Homeowner's exemption$220,216 (+5.99%)$389,200 (+0.31%) Land $75,000 Building $314,200
2023$2,983.00 (+3.72%) Homeowner's exemption$207,777 (+3%)$388,000 (+14.18%) Land $65,000 Building $323,000
2022$2,876.00 Homeowner's exemption$201,726$339,800 Land $60,000 Building $279,800

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 X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskLow
above 32% of the US · above 8% of Florida
Wildfire LikelihoodAbout 1 in 2,128 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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