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1808 Reflection Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1808 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 Footage1,971 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$277,160 (2018)
Tax Bill$1,646.00 (2025)

Property Details

APN / Parcel Number

Primary APN062631087700012340

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,971 sqft Heated Area
Gross Area2,612 sqft Gross Area
1st Floor1,971 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 Area7,405 sqft (0.169 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 Address1808 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 234
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionPRESERVE AT TURTLE CREEK PHS 3 4 & 5
Legal Phase3
Legal Tract877
Legal Lot Number234
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2025
Census Tract43600

Owner

Source: Osceola County records · APN 062631087700012340

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 Address1808 REFLECTION LN, SAINT CLOUD, FL 34771-7573
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 16, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
LOANDEPOT.COM LLC
Oct 29, 2018Grant Deed, Subdivision Related Transfer · Veterans Administration Mortgage
LOANDEPOT.COM 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 SaleOct 29, 2018 · Amount on Record
Deed SaleOct 29, 2018 · Amount on Record
Prior SaleJul 10, 2017 · Amount on Record
Deed Doc Number2018161644
Deed Book / Page5425 / 2412
Record RefreshedJun 08, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1808 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Document Number0056642584
Instrument DateJan 16, 2020
Transaction TypeMortgage
Record UpdatedFeb 20, 2020
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1808 REFLECTION LN ST CLOUD FL 347717573, ST CLOUD, FL 34771-7573

Mortgage

Document Number0056642584
DateJan 28, 2020
Book Page005664/002584
Instrument13533
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJan 27, 2050

October 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateOct 29, 2018
Property Address1808 REFLECTION LN, SAINT CLOUD, FL 34771-7573
Document Number0054252412
Book / Page005425 / 002412
Instrument DateOct 26, 2018
Instrument161644
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 15, 2018
Title CompanyEASTERN NATIONAL TITLE AGENCY, EASTERN NAT'L TITLE AGCY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,940.12
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1808 REFLECTION LN ST CLOUD FL 347717573, ST CLOUD, FL 34771-7573

Mortgage

Document Number54252414
DateOct 29, 2018
Book Page005425/002414
Instrument161645
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueOct 28, 2048

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1808 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 Address1808 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$1,646.00 (+0.12%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$267,365 (+5.99%)$346,700 (-0.69%) Land $75,000 Building $271,700
2023$1,644.00 (+0.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$252,263 (+3%)$349,100 (+11.96%) Land $65,000 Building $284,100
2022$1,634.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$244,916$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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