Polk County property record for 849 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 2015 |
| Square Footage | 2,004 sqft Living Area |
| Lot Size | 10,319 sqft (0.237 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $403,000 (2022) |
| Tax Bill | $4,775.00 (2025) |
| Primary APN | 26-29-12-687517-000752 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,004 sqft Living Area |
| Gross Area | 2,445 sqft Gross Area |
| 1st Floor | 2,004 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2015 |
| 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 | 10,319 sqft (0.237 acres) |
| Depth X Width | 140 ft x 74 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 441 sqft Garage |
| Porch Area | 225 sqft Porch |
| Street Address | 849 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 75 E 1 FT & 76 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 12 |
| Legal Subdivision | REFLECTIONS EAST ADDITION |
| Legal Tract | 687517 |
| Legal Block | 2 |
| Legal Lot Number | 75 |
| Jurisdiction | POLK FL |
| Minor Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Blockgroup | 2 |
| Census Block | 2018 |
| Census Tract | 14006 |
Source: Polk County records · APN 26-29-12-687517-000752
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 | 849 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Nov 14, 2022 | Warranty Deed, Transfer · Veterans Administration Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jul 05, 2022 | Warranty Deed, Construction Loan · Building or Construction Mortgage KIAVI FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 14, 2022 · Amount on Record |
| Deed Sale | Nov 14, 2022 · Amount on Record |
| Prior Sale | Jul 05, 2022 · Amount on Record |
| Deed Doc Number | 2022296635 |
| Deed Book / Page | 12483 / 135 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 14, 2022 |
| Property Address | 849 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Document Number | 0000296635 |
| Book / Page | 12483 / 135 |
| Map Reference | MB 110 PG 44 |
| Instrument Date | Nov 07, 2022 |
| Instrument | 2022296635 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2022 |
| Title Company | FLORIDA TITLE AND GUARANTEE AGENCY, FLORIDA TTL & GUARANTEE AGCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,821.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 136 PRAIRIE DUNE WAY, 136, ORLANDO, FL 32828-8850 |
| Name | Verified Name |
|---|---|
| Address | 849 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Document Number | 0012483137 |
|---|---|
| Date | Nov 14, 2022 |
| Instrument | 12483/137 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 05, 2022 |
| Property Address | 849 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568 |
| Document Number | 0000181576 |
| Book / Page | 12323 / 1557 |
| Map Reference | MB 110 PG 44 |
| Instrument Date | Jun 27, 2022 |
| Instrument | 2022181576 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 19, 2022 |
| Title Company | SMART TITLE II LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,942.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 150 MORNING GLORY CIR, 150, WINTER HAVEN, FL 33884-4121 |
| Name | Verified Name |
|---|---|
| Address | 136 PRAIRIE DUNE WAY, ORLANDO, FL 32828-8850 |
| Document Number | 0123231559 |
|---|---|
| Date | Jul 05, 2022 |
| Instrument | 12323/1559 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,775.00 (-17.43%) Homeowner's exemption | $303,857 (-0.77%) Land $39,000 Building $264,857 | $303,857 (-0.77%) Land $39,000 Building $264,857 |
| 2023 | $5,783.00 (+203.41%) | $306,218 (+114.18%) Land $38,000 Building $268,218 | $306,218 (+19.32%) Land $38,000 Building $268,218 |
| 2022 | $1,906.00 | $142,971 | $256,635 Land $32,000 Building $224,635 |
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 100 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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