Polk County property record for 716 Reflections Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,485 sqft · built 2001 |
| Lot Size | 0.164 acres (7,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $181,000 (Aug 2019) |
| Tax Bill | $3,517 (2025) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-12-687514-000560 |
| Primary APN | 26-29-12-687514-000560 |
|---|---|
| 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 | 7,148 sqft (0.164 acres) |
| Lot Dimensions | 110 ft deep x 65 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 361 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 261 sqft |
| Street Address | 716 REFLECTIONS DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3569 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REFLECTIONS EAST PHASE TWO PB 109 PG 6 LOT 56 |
| 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 | 56 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 14006 |
Source: Polk County records · APN 26-29-12-687514-000560
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 | 716 REFLECTIONS DR, WINTER HAVEN, FL 33884-3569 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2019 | Warranty Deed, Transfer · FHA Mortgage HAMILTON GRP FNDG |
| Jun 19, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 27, 2019 · Amount on Record |
| Deed Sale | Aug 27, 2019 · Amount on Record |
| Prior Sale | May 10, 2016 · Amount on Record |
| Deed Document Number | 2019181181 |
| Deed Book / Page | 10953 / 2085 |
| Transfer Doc | 0045630477 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 27, 2019 |
| Property Address | 716 REFLECTIONS DR, WINTER HAVEN, FL 33884-3569 |
| Document Number | 0109532085 |
| Book / Page | 010953 / 002085 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 181181 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2019 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,267.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 716 REFLECTIONS DR WINTER HAVEN FL 338843569, WINTER HAVEN, FL 33884-3569 |
| Document Number | 109532086 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 010953/002086 |
| Instrument | 181182 |
| Name | HAMILTON GRP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SUNRISE, FL 33323 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 26, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 716 REFLECTIONS DR, WINTER HAVEN, FL 33884-3569 |
| Document Number | 0105411720 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 716 REFLECTIONS DR WINTER HAVEN FL 338843569, WINTER HAVEN, FL 33884-3569 |
| Document Number | 0105411720 |
|---|---|
| Date | Jul 06, 2018 |
| Book Page | 010541/001720 |
| Instrument | 144799 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jul 05, 2046 |
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 | $3,517.00 (-3.78%) Homeowner's exemption | $231,575 (-0.64%) Land $39,000 Building $192,575 | $231,575 (-0.64%) Land $39,000 Building $192,575 |
| 2024 | $3,655.00 (-8.44%) | ||
| 2023 | $3,992.00 (+8.74%) | $233,062 (+8.81%) Land $38,000 Building $195,062 | $233,062 (+8.81%) Land $38,000 Building $195,062 |
| 2022 | $3,671.00 | $214,188 Land $32,000 Building $182,188 | $214,188 Land $32,000 Building $182,188 |
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
| 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 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.
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.
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 |
| 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.
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