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1729 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1729 Reflection Ln, Saint Cloud, FL 34771 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2019
Square Footage2,535 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$336,707 (2019)
Tax Bill$4,783.00 (2025)

Property Details

APN / Parcel Number

Primary APN05-26-31-0876-0001-1380
Alternative APN
  • 263105087600011380

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,535 sqft Living Area
Gross Area3,152 sqft Gross Area
1st Floor1,911 sqft 1st Floor
Upper Floors624 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached Garage
Garage Area441 sqft Garage
Porch Area176 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address1729 REFLECTION LN
CitySAINT CLOUD
StateFL
Zip34771-7554
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPRESERVE AT TURTLE CREEK PH 2 PB 24 PG 42-44 LOT 138
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionPRESERVE AT TURTLE CREEK PH 2
Legal Phase2
Legal Tract876
Legal Block1380
Legal Lot Number138
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2071
Census Tract43600

Owner

Source: Osceola County records · APN 05-26-31-0876-0001-1380

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 Address1729 REFLECTION LN, SAINT CLOUD, FL 34771-7554
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 31, 2019Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
K HOVNANIAN MORTGAGE INC
Jun 18, 2019Loan Modification, Mortgage · Line of Credit
WILMINGTON TR
Jan 17, 2018Loan Modification, Mortgage
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 31, 2019 · Amount on Record
Deed SaleJul 31, 2019 · Amount on Record
Prior SaleOct 13, 2016 · Amount on Record
Deed Doc Number201998770
Deed Book / Page5565 / 2544
Record RefreshedSep 20, 2026

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 31, 2019
Property Address1729 REFLECTION LN, SAINT CLOUD, FL 34771-7554
Document Number0055652544
Book / Page5565 / 2544
Map ReferenceMB 24 PG 42
Instrument DateJul 30, 2019
Instrument2019098770
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 01, 2022
Title CompanyEASTERN NATL TTL AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,357.60
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008

Transferred To (Grantee/Buyer)

NameVerified Name
Address1729 REFLECTION LN, SAINT CLOUD, FL 34771-7554

Mortgage

Document Number0055652546
DateJul 31, 2019
Instrument5565/2546
Lender
NameK HOVNANIAN MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2049

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateJun 18, 2019
Property Address1729 REFLECTION LN, SAINT CLOUD, FL 34771-7554
Document Number0055430603
Book / Page005543 / 000603
Instrument DateMay 20, 2019
Instrument78528
Transaction TypeMortgage
Record UpdatedJul 05, 2019
Title CompanyNOT AVAILABLE

Transaction

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

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address90 MATAWAN RD #5TH MATAWAN NJ 077472623, 5TH, MATAWAN, NJ 07747-2623

Mortgage

Document Number55430603
DateJun 18, 2019
Book Page005543/000603
Instrument78528
Lender
NameWILMINGTON TR
Address1100 N MARKET ST, WILMINGTON, DE 19890-1100
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1729 REFLECTION LN, SAINT CLOUD, FL 34771-7554
Document Number0052771357
Book / Page005277 / 001357
Instrument DateJan 17, 2018
Transaction TypeMortgage
Record UpdatedFeb 21, 2018
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139

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$4,783.00 (+6.05%) Homeowner's exemption$310,122 (+5.99%)$402,500 (+0.15%) Land $75,000 Building $327,500
2023$4,510.00 (+3.44%) Homeowner's exemption$292,604 (+3%)$401,900 (+14.4%) Land $65,000 Building $336,900
2022$4,360.00 Homeowner's exemption$284,082$351,300 Land $60,000 Building $291,300

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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