Polk County property record for 633 Reflections Loop, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,716 sqft · built 1999 |
| Lot Size | 0.185 acres (8,046 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,900 (May 2005) |
| Tax Bill | $1,103 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-12-687512-000490 |
| Primary APN | 26-29-12-687512-000490 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,716 sqft Living Area |
| Gross Area | 2,346 sqft Gross Area |
| 1st Floor Area | 1,716 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,046 sqft (0.185 acres) |
| Lot Dimensions | 115 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft Garage |
| Porch | Florida Room |
| Porch Area | 220 sqft Porch |
| View / Lot | Commercial/Industrial |
| Street Address | 633 REFLECTIONS LOOP |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REFLECTIONS EAST PHASE ONE PB 106 PGS 46 & 47 LOT 49 |
| 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 | 49 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 14006 |
Source: Polk County records · APN 26-29-12-687512-000490
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 | 633 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3566 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 27, 2005 · Amount on Record |
| Deed Sale | May 27, 2005 · Amount on Record |
| Prior Sale | Feb 05, 1999 · Amount on Record |
| Deed Document Number | 2005123264 |
| Deed Book / Page | 6222 / 1743 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 633 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3566 |
| Document Number | 0102581805 |
| Book / Page | 010258 / 001805 |
| Instrument Date | Aug 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 633 REFLECTIONS LOOP WINTER HAVEN FL 338843566, WINTER HAVEN, FL 33884-3566 |
| Document Number | 0102581805 |
|---|---|
| Date | Sep 13, 2017 |
| Book Page | 010258/001805 |
| Instrument | 175262 |
| Name | DITECH FIN'L |
|---|---|
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 12, 2032 |
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 | $1,103.00 (+8.46%) Homeowner's exemption | $102,478 (+5.99%) | $255,322 (+0.31%) Land $39,000 Building $216,322 |
| 2023 | $1,017.00 (+4.63%) Homeowner's exemption | $96,689 (+3%) | $254,529 (+9.85%) Land $38,000 Building $216,529 |
| 2022 | $972.00 Homeowner's exemption | $93,873 | $231,696 Land $32,000 Building $199,696 |
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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