Osceola County property record for 1706 Reflection Ln, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,867 sqft Heated Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $258,964 (2018) |
| Tax Bill | $3,481.00 (2025) |
| Primary APN | 062631087700010680 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,867 sqft Heated Area |
| Gross Area | 2,624 sqft Gross Area |
| 1st Floor | 1,867 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 592 sqft Garage |
| Porch | Open Porch |
| Porch Area | 165 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1706 REFLECTION LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7557 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 68 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | PRESERVE AT TURTLE CREEK PHS 3 4 & 5 |
| Legal Phase | 3 |
| Legal Tract | 877 |
| Legal Lot Number | 68 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2069 |
| Census Tract | 43600 |
Source: Osceola County records · APN 062631087700010680
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 | 1706 REFLECTION LN, SAINT CLOUD, FL 34771-7557 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jun 21, 2018 | Loan Modification, Mortgage FLAGSTAR BK |
| May 15, 2018 | Loan Modification, Mortgage FLAGSTAR BK |
| Jun 11, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELONS,LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 11, 2018 · Amount on Record |
| Deed Sale | Jun 11, 2018 · Amount on Record |
| Deed Doc Number | 2018089568 |
| Deed Book / Page | 5347 / 2355 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1706 REFLECTION LN, SAINT CLOUD, FL 34771-7557 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1706 REFLECTION LN, SAINT CLOUD, FL 34771-7557 |
| Document Number | 0060542443 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 6054/2443 |
| Instrument | 2021151625 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2036 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 21, 2018 |
| Property Address | 1706 REFLECTION LN, SAINT CLOUD, FL 34771-7557 |
| Document Number | 0045661661 |
| Book / Page | 004566 / 001661 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 43578 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0045661661 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 004566/001661 |
| Instrument | 43578 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1706 REFLECTION LN, SAINT CLOUD, FL 34771-7557 |
| Document Number | 0053352447 |
| Instrument Date | May 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4701 PHILIPS HWY #300 JACKSONVILLE FL 32207, 300, JACKSONVILLE, FL 32207 |
| Document Number | 0053352447 |
|---|---|
| Date | May 17, 2018 |
| Book Page | 005335/002447 |
| Instrument | 78349 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | 5151 CORPORATE DR, TROY, MI 48098-2639 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 11, 2018 |
| Property Address | 1706 REFLECTION LN, SAINT CLOUD, FL 34771-7557 |
| Document Number | 0053472355 |
| Book / Page | 5347 / 2355 |
| Map Reference | MB25 PG38-40 |
| Instrument Date | May 11, 2018 |
| Instrument | 2018089568 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DF TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,813.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 1706 REFLECTION LN, SAINT CLOUD, FL 34771-7557 |
| Investor | Possibly a Property Investor |
| Document Number | 2018089569 |
|---|---|
| Date | Jun 11, 2018 |
| Instrument | 2018089569 |
| Name | JET HOMELONS,LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2048 |
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 | $3,481.00 (+6.32%) Homeowner's exemption | $237,380 (+5.99%) | $342,500 (-0.64%) Land $75,000 Building $267,500 |
| 2023 | $3,274.00 (+3.64%) Homeowner's exemption | $223,971 (+3%) | $344,700 (+11.95%) Land $65,000 Building $279,700 |
| 2022 | $3,159.00 Homeowner's exemption | $217,448 | $307,900 Land $60,000 Building $247,900 |
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 | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 32% of the US · above 8% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,128 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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