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

Polk County property record for 856 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 2002
Square Footage	1,287 sqft Living Area
Lot Size	7,144 sqft (0.164 acres)
Occupancy	Owner Occupied
Last Sale	$182,500 (2019)
Tax Bill	$1,832.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-29-12-687517-001230`
Alternative APNs	`122926687517001230` `22926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,287 sqft Living Area
Gross Area	1,791 sqft Gross Area
1st Floor	1,287 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Stucco Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	7,144 sqft (0.164 acres)
Depth X Width	110 ft x 65 ft Depth x Width
Garage Type	Attached Garage
Garage Area	504 sqft Garage
Porch Area	27 sqft Porch

Location & Zoning

Street Address	856 REFLECTIONS LOOP E
City	WINTER HAVEN
State	FL
Zip	33884-3567
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	REFLECTIONS EAST ADDITION PB 110 PGS 44 THRU 46 LOT 123
Legal Range	26E
Legal Township	29S
Legal Section	12
Legal Subdivision	REFLECTIONS EAST ADDITION
Legal Tract	687517
Legal Block	2
Legal Lot Number	123
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	2
Census Block	2020
Census Tract	14006

Owner

Source: Polk County records · APN 26-29-12-687517-001230

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	856 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3567
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 03, 2019 · Amount on Record
Deed Sale	May 03, 2019 · Amount on Record
Prior Sale	Feb 23, 2016 · Amount on Record
Deed Doc Number	201990785
Deed Book / Page	10830 / 236
Transfer Doc	4932001399
Record Refreshed	Sep 20, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 03, 2019
Property Address	856 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3567
Document Number	0108300236
Book / Page	010830 / 000236
Instrument Date	Apr 30, 2019
Instrument	90785
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,277.50
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	856 REFLECTIONS LOOP E WINTER HAVEN FL 338843567, WINTER HAVEN, FL 33884-3567

Mortgage

Document Number	108300238
Date	May 03, 2019
Book Page	010830/000238
Instrument	90786

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 02, 2049

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	$1,832.00 (+7.07%) Homeowner's exemption	$141,438 (+5.99%)	$217,009 (-1.47%) Land $39,000 Building $178,009
2023	$1,711.00 (+3.63%) Homeowner's exemption	$133,449 (+3%)	$220,244 (+9.88%) Land $38,000 Building $182,244
2022	$1,651.00 Homeowner's exemption	$129,562	$200,436 Land $32,000 Building $168,436

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 5% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 4,167 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.