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1705 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1705 Reflection Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage2,525 sqft Heated Area
Lot Size6,534 sqft (0.15 acres)
OccupancyOwner Occupied
Last Sale$318,809 (2019)
Tax Bill$4,909.00 (2025)

Property Details

APN / Parcel Number

Primary APN052631087600010540

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,525 sqft Heated Area
Gross Area3,234 sqft Gross Area
1st Floor2,133 sqft 1st Floor
Upper Floors392 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,534 sqft (0.15 acres)
Garage TypeFinished Garage
Garage Area441 sqft Garage
PorchOpen Porch
Porch Area268 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1705 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 54
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionTURTLE CREEK
Legal Phase2
Legal Tract876
Legal Lot Number54
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2068
Census Tract43600

Owner

Source: Osceola County records · APN 052631087600010540

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 Address1705 REFLECTION LN, SAINT CLOUD, FL 34771-7553
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 17, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
LAKEVIEW LOAN SERVICING LLC
Mar 19, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
LAKEVIEW CMNTY CAP LLC
Jul 12, 2019Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
CROSSCOUNTRY MORTGAGE INC
May 31, 2018Grant Deed, Transfer
DF TITLE LLC
Jun 01, 2018Loan Modification, Mortgage
TEXAS CAP BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 12, 2019 · Amount on Record
Deed SaleJul 12, 2019 · Amount on Record
Deed Doc Number2019089708
Deed Book / Page5555 / 2791
Record RefreshedJun 08, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1705 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Transaction TypeMortgage
Record UpdatedMay 02, 2022
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address1705 REFLECTION LN, SAINT CLOUD, FL 34771-7553

Mortgage

Document Number0059600003
DateMay 17, 2021
Book Page5960/3
Instrument2021075780
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1705 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0057001083
Instrument DateMar 19, 2020
Transaction TypeMortgage
Record UpdatedJun 08, 2020
Title CompanyWFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1705 REFLECTION LN ST CLOUD FL 347717553, ST CLOUD, FL 34771-7553

Mortgage

Document Number0057001083
DateMar 30, 2020
Book Page005700/001083
Instrument44133
Lender
NameLAKEVIEW CMNTY CAP LLC
AddressHORSHAM, PA 19044
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 29, 2050

July 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 12, 2019
Property Address1705 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0055552791
Book / Page5555 / 2791
Map ReferenceMB 24 PG 42-44
Instrument DateJun 27, 2019
Instrument2019089708
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 02, 2022
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,232.30
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address8529 SOUTHPARK CIR STE 130, 8529, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1705 REFLECTION LN, SAINT CLOUD, FL 34771-7553

Mortgage

Document Number0055552793
DateJul 12, 2019
Instrument5555/2793
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2049

May 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 31, 2018
Property Address1705 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0053412884
Book / Page005341 / 002884
Instrument DateMay 25, 2018
Instrument84274
Transaction TypeTransfer
Record UpdatedJun 21, 2018
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
Tax$1,200.00
Amount AccuracyConfirmed
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
InvestorPossibly a Property Investor

June 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateJun 01, 2018
Property Address1705 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0053422190
Book / Page005342 / 002190
Instrument DateMay 25, 2018
Instrument84842
Transaction TypeMortgage
Record UpdatedJul 02, 2018
Title CompanyOTHER

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 Number53422190
DateJun 01, 2018
Book Page005342/002190
Instrument84842
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$4,909.00 (+6.03%) Homeowner's exemption$317,189 (+5.99%)$412,400 (+0.07%) Land $75,000 Building $337,400
2023$4,630.00 (+3.42%) Homeowner's exemption$299,272 (+3%)$412,100 (+14.57%) Land $65,000 Building $347,100
2022$4,477.00 Homeowner's exemption$290,556$359,700 Land $60,000 Building $299,700

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

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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