Polk County property record for 634 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 | 1,284 sqft Living Area |
| Lot Size | 7,353 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $95,000 (2010) |
| Tax Bill | $759.00 (2025) |
| Primary APN | 26-29-12-687512-000170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,284 sqft Living Area |
| Gross Area | 1,664 sqft Gross Area |
| 1st Floor | 1,284 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 | Gable Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 7,353 sqft (0.169 acres) |
| Depth X Width | 112 ft x 65 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 380 sqft Garage |
| Street Address | 634 REFLECTIONS LOOP |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3565 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | REFLECTIONS EAST PHASE ONE PB 106 PGS 46 & 47 LOT 17 |
| 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 | 17 |
| Jurisdiction | POLK FL |
| Minor Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Blockgroup | 2 |
| Census Block | 2018 |
| Census Tract | 14006 |
Source: Polk County records · APN 26-29-12-687512-000170
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 | Individual Name on File |
|---|---|
| Mailing Address | 634 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 27, 2010 · Amount on Record |
| Deed Sale | Apr 27, 2010 · Amount on Record |
| Prior Sale | Dec 29, 2009 |
| Deed Doc Number | 201066651 |
| Deed Book / Page | 8124 / 742 |
| Transfer Doc | 4255001566 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 634 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 634 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565 |
| Document Number | 0000327492 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 12029/2277 |
| Instrument | 2021327492 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2041 |
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 | $759.00 (+10.32%) Homeowner's exemption | $84,046 (+5.99%) | $203,524 (+0.28%) Land $39,000 Building $164,524 |
| 2023 | $688.00 (+5.68%) Homeowner's exemption | $79,298 (+3%) | $202,964 (+9.22%) Land $38,000 Building $164,964 |
| 2022 | $651.00 Homeowner's exemption | $76,988 | $185,830 Land $32,000 Building $153,830 |
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 100 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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