1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. Reflections Loop

636 Reflections Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 636 Reflections Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1999
Square Footage3,576 sqft Living Area
Lot Size10,890 sqft (0.25 acres)
OccupancyOwner Occupied
Last Sale$400,000 (2022)
Tax Bill$5,039.00 (2025)

Property Details

APN / Parcel Number

Primary APN26-29-12-687512-000180
Alternative APNs
  • 122926687512000180
  • 22926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area3,576 sqft Living Area
Gross Area4,082 sqft Gross Area
1st Floor3,576 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area10,890 sqft (0.25 acres)
Garage TypeAttached Garage
Garage Area506 sqft Garage
Pool Area450 sqft Pool
Porch Area386 sqft Porch

Location & Zoning

Street Address636 REFLECTIONS LOOP
CityWINTER HAVEN
StateFL
Zip33884-3565
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionREFLECTIONS EAST PHASE ONE PB 106 PGS 46 & 47 LOT 18 & N 5 FT OF LOT 19
Legal Range26E
Legal Township29S
Legal Section12
Legal SubdivisionREFLECTIONS EAST PHASE ONE
Legal Phase1
Legal Tract687512
Legal Block2
Legal Lot Number18,19
JurisdictionPOLK FL
Minor Civil DivisionWINTER HAVEN-AUBURNDALE
Census Blockgroup2
Census Block2018
Census Tract14006

Owner

Source: Polk County records · APN 26-29-12-687512-000180

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 Record2 Individual Names on File
Mailing Address636 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Oct 28, 2025Deed of Trust, Mortgage · Stand Alone Second Mortgage
GUILD MORTGAGE CO
May 06, 2022Warranty Deed, Transfer · Conventional Mortgage
GUILD MORTGAGE CO
Dec 11, 2017Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
RETIREMENT FNDG SOLUTIONS
Dec 11, 2017Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 06, 2022 · Amount on Record
Deed SaleMay 06, 2022 · Amount on Record
Prior SaleMay 14, 1999 · Amount on Record
Deed Doc Number2022124525
Deed Book / Page12242 / 1660
Transfer Doc4241002016
Record RefreshedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address636 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565
Transaction TypeMortgage
Record UpdatedNov 13, 2025
Title CompanyEXECUTIVE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address636 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565

Mortgage

Document Number0000254267
DateOct 28, 2025
Book Page13755/811
Instrument2025254267
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 06, 2022
Property Address636 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565
Document Number0000124525
Book / Page12242 / 1660
Map ReferenceMB 106 PG 46&47
Instrument DateMay 02, 2022
Instrument2022124525
Transaction TypeTransfer
Record UpdatedMay 19, 2022
Title CompanyEXECUTIVE TITLE/CTRL FL INC, EXECUTIVE TTL OF CTRL FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,800.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6830 SUGARBUSH DR, 6830, ORLANDO, FL 32819-4511

Transferred To (Grantee/Buyer)

NameVerified Name
Address636 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565
InvestorPossibly a Property Investor

Mortgage

Document Number0122421661
DateMay 06, 2022
Instrument12242/1661
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address636 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565
Document Number0103501830
Instrument DateDec 11, 2017
Transaction TypeMortgage
Record UpdatedJan 18, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address636 REFLECTIONS LOOP WINTER HAVEN FL 338843565, WINTER HAVEN, FL 33884-3565

Mortgage

Document Number0103501830
DateDec 27, 2017
Book Page010350/001830
Instrument247985
Lender
NameRETIREMENT FNDG SOLUTIONS
AddressSAN DIEGO, CA 92108
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term972 Months
DueDec 26, 2098
Interest
Rate TypeAdjustable Rate
Rate4.83%

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address636 REFLECTIONS LOOP, WINTER HAVEN, FL 33884-3565
Document Number0103501847
Instrument DateDec 11, 2017
Transaction TypeMortgage
Record UpdatedNov 20, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address636 REFLECTIONS LOOP WINTER HAVEN FL 338843565, WINTER HAVEN, FL 33884-3565

Mortgage

Document Number0103501847
DateDec 27, 2017
Book Page010350/001847
Instrument247986
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term972 Months
DueDec 26, 2098
Interest
Rate TypeAdjustable Rate
Rate4.83%

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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$5,039.00 (-0.06%) Homeowner's exemption$312,970 (+1.02%) Land $39,000 Building $273,970$312,970 (+1.02%) Land $39,000 Building $273,970
2023$5,042.00 Homeowner's exemption$309,816 (+162.58%) Land $38,000 Building $271,816$309,816 (+19.56%) Land $38,000 Building $271,816
2022$117,989$259,136 Land $32,000 Building $227,136

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskLow
above 5% of the US · above 4% of Florida
Wildfire LikelihoodAbout 1 in 4,167 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Nearby Properties on Reflections Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures