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

Polk County property record for 886 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 1999
Square Footage	1,609 sqft Living Area
Lot Size	7,148 sqft (0.164 acres)
Occupancy	Owner Occupied
Last Sale	$239,500 (2021)
Tax Bill	$3,952.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-29-12-687512-000321`
Alternative APNs	`122926687512000321` `22926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,609 sqft Living Area
Gross Area	1,899 sqft Gross Area
1st Floor	1,459 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
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	7,148 sqft (0.164 acres)
Depth X Width	110 ft x 65 ft Depth x Width
Garage Type	Attached Garage
Garage Area	440 sqft Garage
Pool Area	448 sqft Pool
Porch Area	182 sqft Porch

Location & Zoning

Street Address	886 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 PHASE ONE PB 106 PGS 46 & 47 LOT 32 LESS W 5 FT
Legal Range	26E
Legal Township	29S
Legal Section	12
Legal Subdivision	REFLECTIONS EAST PHASE ONE
Legal Phase	1
Legal Tract	687512
Legal Block	2
Legal Lot Number	32
Jurisdiction	POLK FL
Minor Civil Division	WINTER HAVEN-AUBURNDALE
Census Blockgroup	2
Census Block	2019
Census Tract	14006

Owner

Source: Polk County records · APN 26-29-12-687512-000321

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	886 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3567
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2021 · Amount on Record
Deed Sale	Apr 01, 2021 · Amount on Record
Prior Sale	Jun 05, 2015 · Amount on Record
Deed Doc Number	202181780
Deed Book / Page	11646 / 1993
Transfer Doc	4275002196
Record Refreshed	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 01, 2021
Property Address	886 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3567
Document Number	0000081780
Book / Page	11646 / 1993
Map Reference	MB 106 PG 46
Instrument Date	Mar 08, 2021
Instrument	2021081780
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	64 IMPERIAL DR S, 64, MULBERRY, FL 33860-9680

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	886 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3567

Mortgage

Document Number	0116461994
Date	Apr 01, 2021
Instrument	11646/1994

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

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	$3,952.00 (-0.03%) Homeowner's exemption	$254,848 (+1.07%) Land $39,000 Building $215,848	$254,848 (+1.07%) Land $39,000 Building $215,848
2023	$3,953.00 (-9.11%) Homeowner's exemption	$252,148 (+10.31%) Land $38,000 Building $214,148	$252,148 (+10.31%) Land $38,000 Building $214,148
2022	$4,349.00	$228,585 Land $32,000 Building $196,585	$228,585 Land $32,000 Building $196,585

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.