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535 Reflections Blvd, Winter Haven, FL 33884 Property Records

Polk County property record for 535 Reflections Blvd, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,005 sqft · built 1998
Lot Size0.164 acres (7,148 sqft)
Owner2 Individual Names on File
Last Sale$290,000 (Jun 2025)
Tax Bill$4,274 (2025)
Deeds & MortgagesMar 2023 Mortgage
Nov 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-29-12-687512-000380

Property Details

APN / Parcel Number

Primary APN26-29-12-687512-000380
Alternative APNs
  • 122926687512000380
  • 22926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,005 sqft Living Area
Gross Area2,442 sqft
1st Floor Area2,005 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area7,148 sqft (0.164 acres)
Lot Dimensions110 ft deep x 65 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area437 sqft
PorchUnfinished Open Porch
Porch Area32 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address535 REFLECTIONS BLVD
CityWINTER HAVEN
StateFL
Zip33884-3562
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionREFLECTIONS EAST PHASE ONE PB 106 PGS 46 & 47 LOT 38
Legal Range26E
Legal Township29S
Legal Section12
Legal SubdivisionREFLECTIONS EAST PHASE ONE
Legal Phase1
Legal Tract687512
Legal Block2
Legal Lot Number38
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2021
Census Tract14006

Owner

Source: Polk County records · APN 26-29-12-687512-000380

Assessment roll updated July 23, 2026 · Last verified August 2026

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 Address535 REFLECTIONS BLVD, WINTER HAVEN, FL 33884-3562
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Mar 14, 2023Deed of Trust, Mortgage · Conventional Mortgage
MIDFLORIDA CU
Nov 23, 2022Warranty Deed, Transfer · Conventional Mortgage
STOCKTON MORTGAGE CORP
Dec 02, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 11, 2025 · Amount on Record
Deed SaleJun 11, 2025 · Amount on Record
Prior SaleNov 23, 2022 · Amount on Record
Deed Document Number2025135257
Deed Book / Page13580 / 565
Prior Transfer DateJul 07, 2022
Prior Transfer Doc0000189551
Record UpdatedSep 20, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address535 REFLECTIONS BLVD, WINTER HAVEN, FL 33884-3562
Transaction TypeMortgage
Record UpdatedMar 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address535 REFLECTIONS BLVD, CYPRESS GARDENS, FL 33884-3562

Mortgage

Document Number0000059367
DateMar 14, 2023
Book Page12615/483
Instrument2023059367
Lender
NameMIDFLORIDA CU
TypeCredit Union
AddressLAKELAND, FL 33802
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053
Interest
Rate TypeAdjustable Rate
Rate5.75%
Type Change DateApr 01, 2033
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change7.75%
Index1-Year T-Bill
Max Rate9.75%

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 23, 2022
Property Address535 REFLECTIONS BLVD, WINTER HAVEN, FL 33884-3562
Document Number0000305411
Book / Page12494 / 36
Map ReferenceMB 106 PG 46
Instrument DateNov 18, 2022
Instrument2022305411
Transaction TypeTransfer
Record UpdatedDec 07, 2022
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,278.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address128 LAKE REGION CIR, 128, WINTER HAVEN, FL 33881-9535

Transferred To (Grantee/Buyer)

NameVerified Name
Address535 REFLECTIONS BLVD, WINTER HAVEN, FL 33884-3562

Mortgage

Document Number0001249438
DateNov 23, 2022
Instrument12494/38
Lender
NameSTOCKTON MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2052

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateDec 02, 2020
Property Address535 REFLECTIONS BLVD, WINTER HAVEN, FL 33884-3562
Document Number0114740403
Book / Page011474 / 000403
Instrument DateNov 17, 2020
Instrument256797
Transaction TypeTransfer
Record UpdatedDec 17, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address535 REFLECTIONS BLVD WINTER HAVEN FL 338843562, WINTER HAVEN, FL 33884-3562

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,274.00 (-1.2%)$272,055 (+0.06%) Land $39,000 Building $233,055$272,055 (+0.06%) Land $39,000 Building $233,055
2023$4,326.00 (+279.81%) Homeowner's exemption$271,892 (+164.89%) Land $38,000 Building $233,892$271,892 (+8.06%) Land $38,000 Building $233,892
2022$1,139.00$102,642$251,610 Land $32,000 Building $219,610

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050140062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies12 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 214 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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