715 Reflections Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 715 Reflections Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,767 sqft · built 2000
Lot Size	0.187 acres (8,154 sqft)
Owner	2 Individual Names on File
Last Sale	$19,900 (Nov 1999)
Tax Bill	$1,524 (2025)
Deeds & Mortgages	Apr 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`26-29-12-687514-000652`

Property Details

APN / Parcel Number

Primary APN	`26-29-12-687514-000652`
Alternative APNs	`122926687514000652` `22926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,767 sqft Living Area
Gross Area	2,440 sqft
1st Floor Area	1,767 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	8,154 sqft (0.187 acres)
Lot Dimensions	110 ft deep x 74 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Pool Area	288 sqft
Porch	Florida Room
Porch Area	252 sqft

Location & Zoning

Street Address	715 REFLECTIONS DR
City	WINTER HAVEN
State	FL
Zip	33884-3570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REFLECTIONS EAST PHASE TWO PB 109 PG 6 LOT 66 & E 4 FT LOT 67 & W 9 FT LOT 65
Legal Range	26E
Legal Township	29S
Legal Section	12
Legal Subdivision	REFLECTIONS EAST PHASE TWO
Legal Phase	2
Legal Tract	687514
Legal Block	2
Legal Lot Number	65-67
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2020
Census Tract	14006

Owner

Source: Polk County records · APN 26-29-12-687514-000652

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	715 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 03, 1999 · Amount on Record
Deed Sale	Nov 03, 1999 · Amount on Record
Prior Sale	Nov 03, 1999 · Amount on Record
Deed Book / Page	4345 / 351
Transfer Doc	4345000350
Record Updated	Sep 20, 2026

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	715 REFLECTIONS DR, WINTER HAVEN, FL 33884-3570
Document Number	0106110486
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	Sep 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 REFLECTIONS DR WINTER HAVEN FL 338843570, WINTER HAVEN, FL 33884-3570

Mortgage

Document Number	0106110486
Date	Sep 13, 2018
Book Page	010611/000486
Instrument	194932

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Sep 12, 2031

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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	$1,524.00 (+7.48%) Homeowner's exemption	$124,985 (+5.99%)	$278,715 (+0.84%) Land $39,000 Building $239,715
2023	$1,418.00 (+3.88%) Homeowner's exemption	$117,925 (+3%)	$276,389 (+8.31%) Land $38,000 Building $238,389
2022	$1,365.00 Homeowner's exemption	$114,490	$255,195 Land $32,000 Building $223,195

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 214 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.