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1704 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1704 Reflection Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2018
Square Footage2,253 sqft Heated Area
Lot Size6,534 sqft (0.15 acres)
GarageFinished, 441 sqft
Last Sale$450,000 (2024)
Tax Bill$6,750.00 (2025)

Property Details

APN / Parcel Number

Primary APN062631087700010690

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area2,253 sqft Heated Area
Gross Area3,018 sqft Gross Area
1st Floor2,253 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,534 sqft (0.15 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area441 sqft Garage
PorchOpen Porch
Porch Area324 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1704 REFLECTION LN
CitySAINT CLOUD
StateFL
Zip34771-7557
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 69
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionPRESERVE AT TURTLE CREEK PHS 3 4 & 5
Legal Phase3
Legal Tract877
Legal Lot Number69
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2069
Census Tract43600

Owner

Source: Osceola County records · APN 062631087700010690

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 Address60 DOONAN ST, MEDFORD, MA 02155-1332
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 02, 2024Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Nov 30, 2022Warranty Deed, Transfer · Conventional Mortgage
FUNDLOANS CAPITAL
Jul 06, 2018Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JET HOMELOANS LLC
Jun 21, 2018Loan Modification, Mortgage
FLAGSTAR BK
May 17, 2018Loan Modification, Mortgage
FLAGSTAR BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 02, 2024 · Amount on Record
Deed SaleApr 02, 2024 · Amount on Record
Prior SaleNov 30, 2022 · Amount on Record
Deed Doc Number2024041652
Deed Book / Page6575 / 1161
Record RefreshedJun 08, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1704 REFLECTION LN, SAINT CLOUD, FL 34771-7557
Transaction TypeMortgage
Record UpdatedMay 14, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address60 DOONAN ST, MEDFORD, MA 02155-1332

Mortgage

Document Number0065751164
DateApr 02, 2024
Book Page6575/1164
Instrument2024041653
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Address585 SOUTH BLVD E, PONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2054

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 30, 2022
Property Address1704 REFLECTION LN, SAINT CLOUD, FL 34771-7557
Document Number0063212851
Book / Page6321 / 2851
Map ReferenceMB 25 PG 38-40
Instrument DateNov 22, 2022
Instrument2022171893
Transaction TypeTransfer
Record UpdatedDec 13, 2022
Title CompanyALL FLORIDA TITLE AGENCY, ALL FLORIDA TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,149.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address244 BARTON BLVD UNIT 140, 140, ROCKLEDGE, FL 32955-2858

Transferred To (Grantee/Buyer)

NameVerified Name
Address1704 REFLECTION LN, SAINT CLOUD, FL 34771-7557

Mortgage

Document Number0063212853
DateNov 30, 2022
Instrument6321/2853
Lender
NameFUNDLOANS CAPITAL
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2052

July 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 06, 2018
Property Address1704 REFLECTION LN, SAINT CLOUD, FL 34771-7557
Document Number0053621404
Book / Page5362 / 1404
Map ReferenceMB25 PG38-40
Instrument DateJun 29, 2018
Instrument2018103247
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,149.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
Address1704 REFLECTION LN, SAINT CLOUD, FL 34771-7557

Mortgage

Document Number2018103248
DateJul 06, 2018
Instrument2018103248
Lender
NameJET HOMELOANS LLC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2048

June 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateJun 21, 2018
Property Address1704 REFLECTION LN, SAINT CLOUD, FL 34771-7557
Document Number0045661661
Book / Page004566 / 001661
Instrument DateJun 20, 2018
Instrument43578
Transaction TypeMortgage
Record UpdatedFeb 27, 2019
Title CompanyATTORNEY ONLY

Transaction

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

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Mortgage

Document Number45661661
DateJun 21, 2018
Book Page004566/001661
Instrument43578
Lender
NameFLAGSTAR BK
TypeBank
Agreement
AmountAmount Recorded

May 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateMay 17, 2018
Property Address1704 REFLECTION LN, SAINT CLOUD, FL 34771-7557
Document Number0053352447
Book / Page005335 / 002447
Instrument DateMay 15, 2018
Instrument78349
Transaction TypeMortgage
Record UpdatedJun 19, 2018

Transaction

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

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4701 PHILIPS HWY #300 JACKSONVILLE FL 32207, 300, JACKSONVILLE, FL 32207

Mortgage

Document Number53352447
DateMay 17, 2018
Book Page005335/002447
Instrument78349
Lender
NameFLAGSTAR BK
TypeBank
Address5151 CORPORATE DR, TROY, MI 48098-2639
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$6,750.00 (-1.57%)$376,900 (-0.97%) Land $75,000 Building $301,900$376,900 (-0.97%) Land $75,000 Building $301,900
2023$6,858.00 (+69.75%)$380,600 (+42.91%) Land $65,000 Building $315,600$380,600 (+11.94%) Land $65,000 Building $315,600
2022$4,040.00 Homeowner's exemption$266,327$340,000 Land $60,000 Building $280,000

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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