Osceola County property record for 1730 Reflection Ln, Saint Cloud, FL 34771 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2018 |
| Square Footage | 3,374 sqft Living Area |
| Lot Size | 6,098 sqft (0.14 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $458,015 (2018) |
| Tax Bill | $5,880.00 (2024) |
| Primary APN | 06-26-31-0877-0001-1280 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 2 Partial Baths |
| Building Area | 3,374 sqft Living Area |
| Gross Area | 4,434 sqft Gross Area |
| 1st Floor | 1,513 sqft 1st Floor |
| Upper Floors | 1,861 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional Style |
| Exterior Material | Combination Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.14 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 595 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 300 sqft Pool |
| Deck Area | 500 sqft Deck |
| Porch Area | 465 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1730 REFLECTION LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7558 |
| 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 128 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | PRESERVE AT TURTLE CREEK PH 3 & 4 |
| Legal Phase | 3 |
| Legal Tract | 877 |
| Legal Block | 1280 |
| Legal Lot Number | 128 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2070 |
| Census Tract | 43600 |
Source: Osceola County records · APN 06-26-31-0877-0001-1280
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 11, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Nov 13, 2020 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Sep 09, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 16, 2018 | Commissioner's Deed, Foreclosure · Conventional Mortgage JET HOMELOANS LLC |
| Jun 21, 2018 | Loan Modification, Mortgage FLAGSTAR BK |
| May 17, 2018 | Loan Modification, Mortgage FLAGSTAR BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 16, 2018 · Amount on Record |
| Deed Sale | Jul 16, 2018 · Amount on Record |
| Prior Sale | Nov 01, 2016 · Amount on Record |
| Deed Doc Number | 2018108814 |
| Deed Book / Page | 5368 / 758 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Document Number | 0063430738 |
|---|---|
| Date | Jan 11, 2023 |
| Book Page | 6343/738 |
| Instrument | 2023004196 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Document Number | 0058320641 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 5832/641 |
| Instrument | 2020155453 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057892294 |
|---|---|
| Date | Sep 09, 2020 |
| Book Page | 5789/2294 |
| Instrument | 2020119527 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 16, 2018 |
| Property Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Document Number | 0053680758 |
| Book / Page | 5368 / 0758 |
| Map Reference | MB25 PG38-40 |
| Instrument Date | Jul 02, 2018 |
| Instrument | 2018108814 |
| Transaction Type | Foreclosure |
| 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 | $3,206.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 1730 REFLECTION LN, OCALA, FL 34471 |
| Document Number | 2018108815 |
|---|---|
| Date | Jul 16, 2018 |
| Instrument | 2018108815 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 21, 2018 |
| Property Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Document Number | 0045661661 |
| Book / Page | 004566 / 001661 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 43578 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 45661661 |
|---|---|
| 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 |
| Recording Date | May 17, 2018 |
| Property Address | 1730 REFLECTION LN, SAINT CLOUD, FL 34771-7558 |
| Document Number | 0053352447 |
| Book / Page | 005335 / 002447 |
| Instrument Date | May 15, 2018 |
| Instrument | 78349 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4701 PHILIPS HWY #300 JACKSONVILLE FL 32207, 300, JACKSONVILLE, FL 32207 |
| Document Number | 53352447 |
|---|---|
| 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 |
|---|
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| 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 | $6,079.00 (+3.38%) Homeowner's exemption | $382,521 (+5.99%) | $477,900 (-1.2%) Land $75,000 Building $402,900 |
| 2024 | $5,880.00 (+2.42%) | ||
| 2023 | $5,741.00 (+3.35%) Homeowner's exemption | $360,914 (+3%) | $483,700 (+11.17%) Land $65,000 Building $418,700 |
| 2022 | $5,555.00 Homeowner's exemption | $350,402 | $435,100 Land $60,000 Building $375,100 |
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 |
| Wildfire Risk | Low above 34% of the US · above 8% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,326 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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