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1720 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1720 Reflection Ln, Saint Cloud, FL 34771 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4.5 Baths
Year BuiltBuilt 2017
Square Footage2,347 sqft Living Area
Lot Size7,840 sqft (0.18 acres)
GarageAttached, 592 sqft
Last Sale$292,688 (2017)
Tax Bill$5,325.00 (2024)

Property Details

APN / Parcel Number

Primary APN06-26-31-0877-0001-1330
Alternative APN
  • 263106087700011330

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Partial Baths1 Partial Baths
Building Area2,347 sqft Living Area
Gross Area3,119 sqft Gross Area
1st Floor1,912 sqft 1st Floor
Upper Floors435 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialCombination Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,840 sqft (0.18 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area592 sqft Garage
Porch Area180 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1720 REFLECTION LN
CitySAINT CLOUD
StateFL
Zip34771-7558
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 133
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionPRESERVE AT TURTLE CREEK PH 3 & 4
Legal Phase3
Legal Tract877
Legal Lot Number133
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2070
Census Tract43600

Owner

Source: Osceola County records · APN 06-26-31-0877-0001-1330

Assessment roll updated November 26, 2025 · Last verified July 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 Address5581 RAYMOND WAY, ZEPHYRHILLS, FL 33541-2543
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingMarried Man as his Sole and Separate Property

Deeds, Mortgages & Sale History

DateDocument
Mar 06, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV
Mar 06, 2020Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage
LAKEVIEW LN SERVICING
Nov 20, 2017Quit Claim Deed, Transfer
Quitclaim Document
Mar 22, 2017Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
STEARNS LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 22, 2017 · Amount on Record
Deed SaleMar 22, 2017 · Amount on Record
Prior SaleSep 01, 2016 · Amount on Record
Deed Doc Number201743520
Deed Book / Page5120 / 437
Last Transfer DateMar 25, 2025
Transfer Doc0067601141
Record RefreshedSep 20, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1720 REFLECTION LN, SAINT CLOUD, FL 34771-7558
Document Number0057002317
Instrument DateMar 06, 2020
Transaction TypeMortgage
Record UpdatedJun 08, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1720 REFLECTION LN ST CLOUD FL 347717558, ST CLOUD, FL 34771-7558

Mortgage

Document Number0057002317
DateMar 30, 2020
Book Page005700/002317
Instrument44535
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 29, 2050

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1720 REFLECTION LN, SAINT CLOUD, FL 34771-7558
Document Number0057002309
Instrument DateMar 06, 2020
Transaction TypeMortgage
Record UpdatedJun 08, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1720 REFLECTION LN ST CLOUD FL 347717558, ST CLOUD, FL 34771-7558

Mortgage

Document Number0057002309
DateMar 30, 2020
Book Page005700/002309
Instrument44534
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 29, 2050
Interest
Rate TypeFixed Rate
Rate3.87%

November 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 20, 2017
Property Address1720 REFLECTION LN, SAINT CLOUD, FL 34771-7558
Document Number0052411293
Book / Page005241 / 001293
Instrument DateNov 16, 2017
Instrument164998
Transaction TypeTransfer
Record UpdatedJan 03, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1720 REFLECTION LN ST CLOUD FL 347717558, ST CLOUD, FL 34771-7558

March 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 22, 2017
Property Address1720 REFLECTION LN, SAINT CLOUD, FL 34771-7558
Document Number0051200437
Book / Page005120 / 000437
Instrument DateMar 10, 2017
Instrument43520
Transaction TypeSubdivision Related Transfer
Record UpdatedJun 08, 2020
Title CompanyDREAM FINDERS TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,049.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1720 REFLECTION LN ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number51200439
DateMar 22, 2017
Book Page005120/000439
Instrument43521
Lender
NameSTEARNS LNDG
AddressSANTA ANA, CA 92707-8788
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 21, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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$5,304.00 (-0.39%)$344,205 (+23.62%)$393,300 (-1.11%) Land $75,000 Building $318,300
2024$5,325.00 (+30.67%)
2023$4,075.00 (+101,775%) Homeowner's exemption Disabled Person's exemption$278,441 (+3%)$397,700 (+12.03%) Land $65,000 Building $332,700
2022$4.00 Homeowner's exemption Disabled Person's exemption$270,332$355,000 Land $60,000 Building $295,000

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 RiskModerate
above 53% of the US · above 24% of Florida
Wildfire LikelihoodAbout 1 in 840 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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