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1802 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1802 Reflection Ln, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,971 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
GarageAttached, 441 sqft
Last Sale$413,900 (2022)
Tax Bill$6,352.00 (2024)

Property Details

APN / Parcel Number

Primary APN06-26-31-0877-0001-2310
Alternative APN
  • 263106087700012310

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,971 sqft Living Area
Gross Area2,612 sqft Gross Area
1st Floor1,971 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.14 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area441 sqft Garage
Porch Area200 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1802 REFLECTION LN
CitySAINT CLOUD
StateFL
Zip34771-7573
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 231
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionPRESERVE AT TURTLE CREEK PH 3 & 4
Legal Phase3
Legal Tract877
Legal Block2310
Legal Lot Number231
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2025
Census Tract43600

Owner

Source: Osceola County records · APN 06-26-31-0877-0001-2310

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 RecordCompany Name on File
Mailing Address15771 RED HILL AVE, 100, TUSTIN, CA 92780-7333
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2023Deed of Trust, Mortgage · Commercial Mortgage
MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Jul 12, 2023Intrafamily Transfer, Transfer
OS NATIONAL LLC
Dec 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 23, 2018Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
K HOVNANIAN AMERICAN MORTGAGE LLC
Jan 17, 2018Loan Modification, Mortgage
ATTORNEY ONLY
Jul 10, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 27, 2022 · Amount on Record
Deed SaleJun 27, 2022 · Amount on Record
Prior SaleMar 23, 2018 · Amount on Record
Deed Doc Number2022100036
Deed Book / Page6240 / 2653
Last Transfer DateJul 11, 2023
Transfer Doc0064391933
Record RefreshedJun 08, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1802 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Transaction TypeMortgage
Record UpdatedAug 15, 2023
Title CompanyOS NATIONAL LLC

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0064470306
DateJul 27, 2023
Book Page6447/306
Instrument2023096867
Lender
NameMORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
TypeMortgage Company
AddressNEW YORK, NY 10036
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

July 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 12, 2023
Property Address1802 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Document Number0064391933
Book / Page6439 / 1933
Map ReferenceMB 25 PG 38
Instrument DateJul 11, 2023
Instrument2023089938
Transaction TypeTransfer
Record UpdatedJul 28, 2023
Title CompanyOS NATIONAL LLC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name
Address15771 RED HILL AVE # AVE100, AVE100, TUSTIN, CA 92780-7333

Transferred To (Grantee/Buyer)

NameVerified Name
Address15771 RED HILL AVE STE 100, 100, TUSTIN, CA 92780-7333
InvestorPossibly a Property Investor

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1802 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4233 CLOVERLEAF PL, CASSELBERRY, FL 32707-4703

Mortgage

Document Number0061160338
DateDec 27, 2021
Book Page6116/338
Instrument2021199371
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

March 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 23, 2018
Property Address1802 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Document Number0053060943
Book / Page5306 / 0943
Map ReferenceMB25 PG38
Instrument DateMar 22, 2018
Instrument2018047762
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 01, 2022
Title CompanyEASTERN NATL TITLE AGENCY LL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,849.40
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address151 SOUTHHALL LN STE 120, 151, MAITLAND, FL 32751-7115

Transferred To (Grantee/Buyer)

NameVerified Name
Address1802 REFLECTION LN, SAINT CLOUD, FL 34771-7573

Mortgage

Document Number2018047763
DateMar 23, 2018
Instrument2018047763
Lender
NameK HOVNANIAN AMERICAN MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2048

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1802 REFLECTION LN, SAINT CLOUD, FL 34771-7573
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

July 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJul 10, 2017
Property Address1802 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Document Number0051761375
Book / Page005176 / 001375
Instrument DateJul 07, 2017
Instrument99601
Transaction TypeTransfer
Record UpdatedAug 11, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$27,023.00
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address151 SOUTHHALL LN #120 MAITLAND FL 327517115, 120, MAITLAND, FL 32751-7115
InvestorPossibly a Property Investor

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$6,209.00 (-2.25%)$346,700 (-0.69%) Land $75,000 Building $271,700$346,700 (-0.69%) Land $75,000 Building $271,700
2024$6,352.00 (+0.97%)
2023$6,291.00 (+25.34%)$349,100 (+11.96%) Land $65,000 Building $284,100$349,100 (+11.96%) Land $65,000 Building $284,100
2022$5,019.00$311,800 Land $60,000 Building $251,800$311,800 Land $60,000 Building $251,800

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 34% of the US · above 8% of Florida
Wildfire LikelihoodAbout 1 in 2,326 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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