Polk County property record for 515 Reflections Blvd, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,860 sqft · built 2000 |
| Lot Size | 0.195 acres (8,503 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Jun 2007) |
| Tax Bill | $2,597 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-12-687512-000400 |
| Primary APN | 26-29-12-687512-000400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| Gross Area | 2,301 sqft |
| 1st Floor Area | 1,860 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,503 sqft (0.195 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 140 sqft |
| Patio Area | 279 sqft |
| Shed | 1 Shed |
| Street Address | 515 REFLECTIONS BLVD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REFLECTIONS EAST PHASE ONE PB 106 PGS 46 & 47 LOT 40 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 12 |
| Legal Subdivision | REFLECTIONS EAST PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 687512 |
| Legal Block | 2 |
| Legal Lot Number | 40 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 14006 |
515 Reflections Blvd is owned and occupied by two individuals who bought it in June 2007.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 515 REFLECTIONS BLVD, WINTER HAVEN, FL 33884-3562 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 29, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jul 3, 2018 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2007 · Amount on File |
| Deed Sale | Jun 11, 2007 · Amount on File |
| Prior Sale | Sep 29, 1999 · Amount on File |
| Deed Document Number | 2007122754 |
| Deed Book / Page | 7318 / 1041 |
| Transfer Doc | 4324000851 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 515 REFLECTIONS BLVD, WINTER HAVEN, FL 33884-3562 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000177674 |
|---|---|
| Date | Jun 29, 2022 |
| Book Page | 12317/1967 |
| Instrument | 2022177674 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 132 Months |
| Due | Jun 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 3, 2018 |
| Property Address | 515 REFLECTIONS BLVD, WINTER HAVEN, FL 33884-3562 |
| Document Number | 0105361622 |
| Book / Page | 010536 / 001622 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 141347 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Title Company | REAL ESTATE TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,274.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 515 REFLECTIONS BLVD WINTER HAVEN FL 338843562, WINTER HAVEN, FL 33884-3562 |
| Document Number | 105361623 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 010536/001623 |
| Instrument | 141348 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 2, 2048 |
The 2025 property tax bill for 515 Reflections Blvd was $2,597 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $187,284 (+2.7%) | $218,779 (-17.79%) Land $39,000 Building $179,779 | |
| 2025 | $2,597.00 Homeowner's exemption | $182,360 | $266,137 Land $39,000 Building $227,137 |
| 2023 | $2,440.00 (+3.17%) Homeowner's exemption | $172,059 (+3%) | $265,664 (+7.72%) Land $38,000 Building $227,664 |
| 2022 | $2,365.00 Homeowner's exemption | $167,048 | $246,632 Land $32,000 Building $214,632 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 Reflections Blvd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 515 Reflections Blvd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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