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1803 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1803 Reflection Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage2,061 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$286,640 (2018)
Tax Bill$4,612.00 (2025)

Property Details

APN / Parcel Number

Primary APN062631087700012380

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,061 sqft Heated Area
Gross Area2,678 sqft Gross Area
1st Floor2,061 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.139 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area441 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area278 sqft Pool
FenceFence
Deck Area762 sqft Deck
PorchOpen Porch
Porch Area176 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1803 REFLECTION LN
CitySAINT CLOUD
StateFL
Zip34771-7574
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 238
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionPRESERVE AT TURTLE CREEK PHS 3 4 & 5
Legal Phase3
Legal Tract877
Legal Lot Number238
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2009
Census Tract43600

Owner

Source: Osceola County records · APN 062631087700012380

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1803 REFLECTION LN, SAINT CLOUD, FL 34771-7574
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
May 17, 2018Special Warranty Deed, 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 Names2 Verified Names on Deed
Last SaleMay 17, 2018 · Amount on Record
Deed SaleMay 17, 2018 · Amount on Record
Prior SaleJul 10, 2017 · Amount on Record
Deed Doc Number2018078523
Deed Book / Page5336 / 0046
Record RefreshedJun 08, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1803 REFLECTION LN, SAINT CLOUD, FL 34771-7574
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1803 REFLECTION LN, SAINT CLOUD, FL 34771-7574

Mortgage

Document Number0058520744
DateDec 16, 2020
Book Page5852/744
Instrument2020170786
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

May 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 17, 2018
Property Address1803 REFLECTION LN, SAINT CLOUD, FL 34771-7574
Document Number0053360046
Book / Page5336 / 0046
Map ReferenceMB25 PG38
Instrument DateMay 16, 2018
Instrument2018078523
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyEASTERN NATIONAL TITLE AGENC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,006.90
Amount AccuracyFull Amount Stated
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
Address1803 REFLECTION LN, SAINT CLOUD, FL 34771-7574

Mortgage

Document Number2018078524
DateMay 17, 2018
Instrument2018078524
Lender
NameK HOVNANIAN AMERICAN MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2048

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1803 REFLECTION LN, SAINT CLOUD, FL 34771-7574
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 Address1803 REFLECTION LN, SAINT CLOUD, FL 34771-7574
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 July 1, 2025 · Last verified December 2025

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$4,612.00 (+6.07%) Homeowner's exemption$300,596 (+5.99%)$380,100 (-0.29%) Land $75,000 Building $305,100
2023$4,348.00 (+3.45%) Homeowner's exemption$283,617 (+3%)$381,200 (+10.88%) Land $65,000 Building $316,200
2022$4,203.00 Homeowner's exemption$275,357$343,800 Land $60,000 Building $283,800

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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