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1807 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1807 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 Footage1,939 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$305,100 (2018)
Tax Bill$4,009.00 (2025)

Property Details

APN / Parcel Number

Primary APN062631087700012360

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,939 sqft Heated Area
Gross Area2,698 sqft Gross Area
1st Floor1,939 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 Area473 sqft Garage
PorchOpen Porch
Porch Area286 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1807 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 236
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionPRESERVE AT TURTLE CREEK PHS 3 4 & 5
Legal Phase3
Legal Tract877
Legal Lot Number236
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2009
Census Tract43600

Owner

Source: Osceola County records · APN 062631087700012360

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 Address6019 FOREST PERCH DR, SAINT CLOUD, FL 34771-8331
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 21, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
ROCKET MORTGAGE LLC
Nov 13, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
QUICKEN LNS
Aug 20, 2018Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
BROKER SOLUTIONS INC
Jan 17, 2018Loan Modification, Mortgage
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 20, 2018 · Amount on Record
Deed SaleAug 20, 2018 · Amount on Record
Deed Doc Number2018127135
Deed Book / Page5388 / 0783
Record RefreshedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1807 REFLECTION LN, SAINT CLOUD, FL 34771-7574
Transaction TypeMortgage
Record UpdatedNov 09, 2021
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address1807 REFLECTION LN, SAINT CLOUD, FL 34771-7574

Mortgage

Document Number0060692831
DateOct 21, 2021
Book Page6069/2831
Instrument2021164013
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term338 Months
DueDec 01, 2049

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1807 REFLECTION LN, SAINT CLOUD, FL 34771-7574
Document Number0056261546
Instrument DateNov 13, 2019
Transaction TypeMortgage
Record UpdatedDec 10, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1807 REFLECTION LN ST CLOUD FL 347717574, ST CLOUD, FL 34771-7574

Mortgage

Document Number0056261546
DateNov 20, 2019
Book Page005626/001546
Instrument150860
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 19, 2049

August 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 20, 2018
Property Address1807 REFLECTION LN, SAINT CLOUD, FL 34771-7574
Document Number0053880783
Book / Page5388 / 0783
Map ReferenceMB25 PG38
Instrument DateAug 17, 2018
Instrument2018127135
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyEASTERN NATIONAL TITLE AGECY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,135.70
Amount AccuracyRounded Values by County
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
Address1807 REFLECTION LN, SAINT CLOUD, FL 34771-7574

Mortgage

Document Number2018127136
DateAug 20, 2018
Instrument2018127136
Lender
NameBROKER SOLUTIONS INC
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2048

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1807 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

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$4,009.00 (+6.17%) Homeowner's exemption$266,908 (+5.99%)$346,100 (-0.69%) Land $75,000 Building $271,100
2023$3,776.00 (+3.54%) Homeowner's exemption$251,832 (+3%)$348,500 (+11.95%) Land $65,000 Building $283,500
2022$3,647.00 Homeowner's exemption$244,498$311,300 Land $60,000 Building $251,300

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 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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