831 Reflections Loop E, Winter Haven, FL 33884 Property Records

Polk County property record for 831 Reflections Loop E, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2000
Square Footage	1,977 sqft Living Area
Lot Size	8,886 sqft (0.204 acres)
Occupancy	Owner Occupied
Last Sale	$19,000 (2000)
Tax Bill	$1,252.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-29-12-687517-000812`
Alternative APNs	`122926687517000812` `22926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,977 sqft Living Area
Gross Area	2,418 sqft Gross Area
1st Floor	1,977 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
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	8,886 sqft (0.204 acres)
Depth X Width	120 ft x 74 ft Depth x Width
Garage Type	Attached Garage
Garage Area	441 sqft Garage
Porch Area	252 sqft Porch

Location & Zoning

Street Address	831 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 81 N 5 FT & ALL OF 82 & 83 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	81
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	2
Census Block	2018
Census Tract	14006

Owner

Source: Polk County records · APN 26-29-12-687517-000812

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	831 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 11, 2000 · Amount on Record
Deed Sale	May 11, 2000 · Amount on Record
Prior Sale	Feb 28, 2000 · Amount on Record
Deed Book / Page	4454 / 2095
Last Transfer Date	Oct 10, 2005
Transfer Doc	0000270918
Record Refreshed	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	831 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568
Document Number	0109780020
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 08, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	833 REFLECTIONS LOOP E WINTER HAVEN FL 338843568, WINTER HAVEN, FL 33884-3568

Mortgage

Document Number	0109780020
Date	Sep 18, 2019
Book Page	010978/000020
Instrument	198126

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

Interest

Rate	12%

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	$1,252.00 (+8.12%) Homeowner's exemption	$110,430 (+5.99%)	$277,089 (+0.21%) Land $39,000 Building $238,089
2023	$1,158.00 (+4.23%) Homeowner's exemption	$104,192 (+3%)	$276,515 (+8.12%) Land $38,000 Building $238,515
2022	$1,111.00 Homeowner's exemption	$101,157	$255,745 Land $32,000 Building $223,745

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 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

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.