Polk County property record for 609 Reflections Loop, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1999 |
| Square Footage | 1,482 sqft Living Area |
| Lot Size | 9,622 sqft (0.221 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $112,000 (2004) |
| Tax Bill | $1,141.00 (2025) |
| Primary APN | 26-29-12-687512-000450 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,482 sqft Living Area |
| Gross Area | 1,922 sqft Gross Area |
| 1st Floor | 1,482 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 9,622 sqft (0.221 acres) |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Shed | 1 Shed |
| Porch Area | 40 sqft Porch |
| Street Address | 609 REFLECTIONS LOOP |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3566 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | REFLECTIONS EAST PHASE ONE PB 106 PGS 46 & 47 LOT 45 |
| 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 | 45 |
| Jurisdiction | POLK FL |
| Minor Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 14006 |
Source: Polk County records · APN 26-29-12-687512-000450
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 609 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3566 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Dec 15, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jul 02, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 21, 2004 · Amount on Record |
| Deed Sale | Jun 21, 2004 · Amount on Record |
| Prior Sale | May 11, 1999 · Amount on Record |
| Deed Doc Number | 2004124813 |
| Deed Book / Page | 5822 / 979 |
| Last Transfer Date | Dec 13, 2023 |
| Transfer Doc | 0000292800 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 15, 2023 |
| Property Address | 609 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3566 |
| Document Number | 0000292800 |
| Book / Page | 12942 / 1117 |
| Map Reference | MB 106 PG 46&47 |
| Instrument Date | Dec 13, 2023 |
| Instrument | 2023292800 |
| Transaction Type | Transfer |
| Record Updated | Jan 01, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 609 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3566 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 609 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3566 |
| Document Number | 0109041354 |
| Instrument Date | Jul 02, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 609 REFLECTIONS LOOP WINTER HAVEN FL 338843566, WINTER HAVEN, FL 33884-3566 |
| Document Number | 0109041354 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | 010904/001354 |
| Instrument | 145175 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,141.00 (+8.36%) Homeowner's exemption | $104,511 (+5.99%) | $227,204 (+0.25%) Land $39,000 Building $188,204 |
| 2023 | $1,053.00 (+4.46%) Homeowner's exemption | $98,608 (+3%) | $226,632 (+9.17%) Land $38,000 Building $188,632 |
| 2022 | $1,008.00 Homeowner's exemption | $95,736 | $207,588 Land $32,000 Building $175,588 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 5% of the US · above 4% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,167 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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