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1709 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1709 Reflection Ln, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2018
Square Footage2,302 sqft Living Area
Lot Size6,534 sqft (0.15 acres)
OccupancyOwner Occupied
Last Sale$403,000 (2021)
Tax Bill$5,664.00 (2024)

Property Details

APN / Parcel Number

Primary APN05-26-31-0876-0001-0560
Alternative APN
  • 263105087600010560

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Building Area2,302 sqft Living Area
Gross Area3,145 sqft Gross Area
1st Floor1,867 sqft 1st Floor
Upper Floors435 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,534 sqft (0.15 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area592 sqft Garage
Porch Area251 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1709 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 56
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionPRESERVE AT TURTLE CREEK PH 2
Legal Phase2
Legal Tract876
Legal Block560
Legal Lot Number56
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2068
Census Tract43600

Owner

Source: Osceola County records · APN 05-26-31-0876-0001-0560

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 12, 2021Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 18, 2021Quit Claim Deed, Transfer
Quitclaim Document
Jul 20, 2018Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
WELLS FARGO BANK NA
Apr 11, 2018Grant Deed, Transfer
DF TITLE LLC
Apr 12, 2018Loan Modification, Mortgage · Line of Credit
VALLEY NAT'L BK MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 12, 2021 · Amount on Record
Deed SaleOct 12, 2021 · Amount on Record
Prior SaleMar 18, 2021 · Amount on Record
Deed Doc Number2021158276
Deed Book / Page6063 / 767
Prior Transfer DateMar 12, 2021
Prior Transfer Doc0059150681
Record RefreshedJun 08, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 12, 2021
Property Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0060630767
Book / Page6063 / 767
Map ReferenceMB 24 PG 42-44
Instrument DateOct 07, 2021
Instrument2021158276
Transaction TypeTransfer
Record UpdatedMar 06, 2023
Title CompanyCORTITLE LLC, CORETITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,821.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address16424 CITRUS PKWY, CLERMONT, FL 34714-4937

Transferred To (Grantee/Buyer)

NameVerified Name
Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553

Mortgage

Document Number0006063769
DateOct 12, 2021
Instrument6063/769
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

March 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMar 18, 2021
Property Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0059150681
Book / Page5915 / 681
Map ReferenceMB 24 PG 42-44
Instrument DateMar 12, 2021
Instrument2021040450
Transaction TypeTransfer
Record UpdatedMar 06, 2023

Transaction

AmountAmount Recorded
Tax$883.40
Amount AccuracyRounded Values by County
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553

July 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 20, 2018
Property Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0053710676
Book / Page5371 / 0676
Map ReferenceMB24 PG42-44
Instrument DateJul 13, 2018
Instrument2018111737
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$2,170.00
Amount AccuracyRounded Values by County
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
Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553

Mortgage

Document Number2018111738
DateJul 20, 2018
Instrument2018111738
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2048

April 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateApr 11, 2018
Property Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0053151129
Book / Page005315 / 001129
Instrument DateApr 04, 2018
Instrument57191
Transaction TypeTransfer
Record UpdatedMay 23, 2018
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
Tax$1,200.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction
  • 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

April 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateApr 12, 2018
Property Address1709 REFLECTION LN, SAINT CLOUD, FL 34771-7553
Document Number0053151675
Book / Page005315 / 001675
Instrument DateMar 30, 2018
Instrument57376
Transaction TypeMortgage
Record UpdatedMay 24, 2018

Transaction

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

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address360 CORPORATE WAY #100 ORANGE PARK FL 320736290, 100, ORANGE PARK, FL 32073-6290
InvestorPossibly a Property Investor

Mortgage

Document Number53151675
DateApr 12, 2018
Book Page005315/001675
Instrument57376
Lender
NameVALLEY NAT'L BK MTG
TypeBank
Address4790 140TH AVE N, CLEARWATER, FL 33762-3857
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$5,856.00 (+3.39%) Homeowner's exemption$370,074 (+5.99%)$388,100 (+0.34%) Land $75,000 Building $313,100
2024$5,664.00 (+2.44%)
2023$5,529.00 (+3.35%) Homeowner's exemption$349,170 (+3%)$386,800 (+14.1%) Land $65,000 Building $321,800
2022$5,350.00 Homeowner's exemption$339,000 Land $60,000 Building $279,000$339,000 Land $60,000 Building $279,000

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

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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