Polk County property record for 829 Reflections Loop E, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2001 |
| Square Footage | 1,286 sqft Living Area |
| Lot Size | 7,318 sqft (0.168 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $185,000 (2020) |
| Tax Bill | $2,392.00 (2025) |
| Primary APN | 26-29-12-687517-000831 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,286 sqft Living Area |
| Gross Area | 1,666 sqft Gross Area |
| 1st Floor | 1,286 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| 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 | 7,318 sqft (0.168 acres) |
| Depth X Width | 120 ft x 61 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 380 sqft Garage |
| Porch Area | 155 sqft Porch |
| Street Address | 829 REFLECTIONS LOOP E |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3568 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | REFLECTIONS EAST ADDITION PB 110 PGS 44 THRU 46 LOT 83 LESS S 4 FT |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 12 |
| Legal Subdivision | REFLECTIONS EAST ADDITION |
| Legal Tract | 687517 |
| Legal Block | 2 |
| Legal Lot Number | 83 |
| Jurisdiction | POLK FL |
| Minor Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Blockgroup | 2 |
| Census Block | 2018 |
| Census Tract | 14006 |
Source: Polk County records · APN 26-29-12-687517-000831
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 | 829 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Dec 28, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Dec 11, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CARDINAL FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 11, 2020 · Amount on Record |
| Deed Sale | Dec 11, 2020 · Amount on Record |
| Prior Sale | Sep 01, 2010 · Amount on Record |
| Deed Doc Number | 2020267512 |
| Deed Book / Page | 11491 / 760 |
| Transfer Doc | 4551001342 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 829 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 829 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Document Number | 0000211795 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 13693/449 |
| Instrument | 2025211795 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 829 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Name | Verified Name |
|---|---|
| Address | 829 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Document Number | 0000302349 |
|---|---|
| Date | Dec 28, 2023 |
| Book Page | 12956/118 |
| Instrument | 2023302349 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 11, 2020 |
| Property Address | 829 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Document Number | 0114910760 |
| Book / Page | 011491 / 000760 |
| Instrument Date | Dec 07, 2020 |
| Instrument | 267512 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2020 |
| Title Company | REAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 829 REFLECTIONS LOOP E WINTER HAVEN FL 338843568, WINTER HAVEN, FL 33884-3568 |
| Document Number | 114910761 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 011491/000761 |
| Instrument | 267513 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2050 |
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 | $2,392.00 (+6.55%) Homeowner's exemption | $171,418 (+5.99%) | $210,625 (-0.58%) Land $39,000 Building $171,625 |
| 2023 | $2,245.00 (+3.27%) Homeowner's exemption | $161,735 (+3%) | $211,848 (+8.95%) Land $38,000 Building $173,848 |
| 2022 | $2,174.00 Homeowner's exemption | $157,024 | $194,440 Land $32,000 Building $162,440 |
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 500 ft |
| Wildfire Risk | Low above 4% of the US · above 4% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 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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