Polk County property record for 701 Reflections Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,485 sqft · built 2001 |
| Lot Size | 0.184 acres (8,032 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Oct 2025) |
| Tax Bill | $958 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-12-687517-001140 |
| Primary APN | 26-29-12-687517-001140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,485 sqft Living Area |
| Gross Area | 1,846 sqft |
| 1st Floor Area | 1,485 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,032 sqft (0.184 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 361 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 261 sqft |
| Street Address | 701 REFLECTIONS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REFLECTIONS EAST ADDITION PB 110 PGS 44 THRU 46 LOT 114 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 12 |
| Legal Subdivision | REFLECTIONS EAST ADDITION |
| Legal Tract | 687517 |
| Legal Block | 2 |
| Legal Lot Number | 114 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 14006 |
Source: Polk County records, as of June 23, 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 Record |
|---|---|
| Mailing Address | 701 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 21, 2025 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Nov 13, 2019 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2025 · Amount on Record |
| Deed Sale | Oct 21, 2025 · Amount on Record |
| Prior Sale | Dec 11, 2000 · Amount on Record |
| Deed Document Number | 2025247688 |
| Deed Book / Page | 13745 / 1648 |
| Transfer Doc | 0045870198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 701 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000037310 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 13009/990 |
| Instrument | 2024037310 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 15, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 701 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000048292 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 12128/993 |
| Instrument | 2022048292 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 21, 2025 |
| Property Address | 701 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570 |
| Document Number | 0000247688 |
| Book / Page | 13745 / 1648 |
| Map Reference | MB 110 PG 44-46 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 2025247688 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | UNITED TTL GROUP OF LAKELAND |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 701 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570 |
| Name | Verified Name |
|---|---|
| Address | 701 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570 |
| Document Number | 0137451650 |
|---|---|
| Date | Oct 21, 2025 |
| Instrument | 13745/1650 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Number | 0000247690 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | 13745/1666 |
| Instrument | 2025247690 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 701 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570 |
| Document Number | 0110500263 |
| Instrument Date | Nov 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 701 REFLECTIONS DR WINTER HAVEN FL 338843570, WINTER HAVEN, FL 33884-3570 |
| Document Number | 0110500263 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 011050/000263 |
| Instrument | 248211 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 20, 2039 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $958.00 (+4.36%) Homeowner's exemption | $94,700 (+2.9%) | $231,575 (-2.82%) Land $39,000 Building $192,575 |
| 2024 | $918.00 (+4.56%) Homeowner's exemption | $92,031 (+3%) | $238,303 (+2.25%) Land $39,000 Building $199,303 |
| 2023 | $878.00 (+4.9%) Homeowner's exemption | $89,350 (+3%) | $233,062 (+8.81%) Land $38,000 Building $195,062 |
| 2022 | $837.00 Homeowner's exemption | $86,748 | $214,188 Land $32,000 Building $182,188 |
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.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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