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1804 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1804 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 Footage1,811 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$259,700 (2018)
Tax Bill$5,957.00 (2025)

Property Details

APN / Parcel Number

Primary APN062631087700012320

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,811 sqft Heated Area
Gross Area2,452 sqft Gross Area
1st Floor1,811 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
PorchOpen Porch
Porch Area200 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1804 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 232
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionPRESERVE AT TURTLE CREEK PHS 3 4 & 5
Legal Phase3
Legal Tract877
Legal Lot Number232
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2025
Census Tract43600

Owner

Source: Osceola County records · APN 062631087700012320

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 Record2 Individual Names on File
Mailing Address1804 REFLECTION LN, SAINT CLOUD, FL 34771-7573
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 15, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Dec 11, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
May 17, 2018Grant Deed, Subdivision Related Transfer · Veterans Administration Mortgage
I3 LNDG
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 Number2018078403
Deed Book / Page5335 / 2664
Record RefreshedJun 08, 2026

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1804 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056240845
DateNov 15, 2019
Book Page5624/0845
Instrument2019148942
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2049

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1804 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Transaction TypeMortgage
Record UpdatedAug 01, 2022
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058491303
DateDec 11, 2020
Book Page5849/1303
Instrument2020168366
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

May 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 17, 2018
Property Address1804 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Document Number0053352664
Book / Page005335 / 002664
Instrument DateMay 14, 2018
Instrument78403
Transaction TypeSubdivision Related Transfer
Record UpdatedJun 21, 2018
Title CompanyEASTERN NATIONAL TITLE AGENCY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,817.27
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1804 REFLECTION LN ST CLOUD FL 347717573, ST CLOUD, FL 34771-7573

Mortgage

Document Number53352666
DateMay 17, 2018
Book Page005335/002666
Instrument78404
Lender
NameI3 LNDG
AddressLONGWOOD, FL 32750
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMay 16, 2048

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1804 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 Address1804 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 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$5,957.00 (+11.85%)$332,600 (-0.54%) Land $75,000 Building $257,600$332,600 (-0.54%) Land $75,000 Building $257,600
2023$5,326.00 (+10.57%)$334,400 (+11.91%) Land $65,000 Building $269,400$334,400 (+11.91%) Land $65,000 Building $269,400
2022$4,817.00$298,800 Land $60,000 Building $238,800$298,800 Land $60,000 Building $238,800

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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