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

Polk County property record for 891 Reflections Loop E, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2002
Square Footage1,779 sqft Living Area
Lot Size8,137 sqft (0.187 acres)
OccupancyOwner Occupied
Last Sale$341,000 (2024)
Tax Bill$5,177.00 (2025)

Property Details

APN / Parcel Number

Primary APN26-29-12-687517-001042
Alternative APNs
  • 122926687517001042
  • 22926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,779 sqft Living Area
Gross Area2,199 sqft Gross Area
1st Floor1,779 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area8,137 sqft (0.187 acres)
Depth X Width110 ft x 65 ft Depth x Width
Garage TypeAttached Garage
Garage Area420 sqft Garage
Pool Area288 sqft Pool
Shed1 Shed
Porch Area267 sqft Porch

Location & Zoning

Street Address891 REFLECTIONS LOOP E
CityWINTER HAVEN
StateFL
Zip33884-3568
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionREFLECTIONS EAST ADDITION PB 110 PGS 44 THRU 46 LOT 105 & W 9 FT LOT 104
Legal Range26E
Legal Township29S
Legal Section12
Legal SubdivisionREFLECTIONS EAST ADDITION
Legal Tract687517
Legal Block2
Legal Lot Number104,1
JurisdictionPOLK FL
Minor Civil DivisionWINTER HAVEN-AUBURNDALE
Census Blockgroup2
Census Block2021
Census Tract14006

Owner

Source: Polk County records · APN 26-29-12-687517-001042

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 Record2 Individual Names on File
Mailing Address891 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Nov 04, 2022Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
ROCKET MORTGAGE LLC
Apr 29, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FREEDOM MORTGAGE CORP
Dec 12, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HOME PT FIN'L
Sep 26, 2018Warranty Deed, Transfer · Conventional Mortgage
ANGEL OAK MTG SOLUTIONS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 16, 2024 · Amount on Record
Deed SaleJul 16, 2024 · Amount on Record
Prior SaleSep 26, 2018 · Amount on Record
Deed Doc Number2024162788
Deed Book / Page13191 / 45
Record RefreshedSep 20, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address891 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568
Transaction TypeMortgage
Record UpdatedNov 17, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address89I REFLECTIONS LOOP E, WINTER HAVEN, FL 33884

Mortgage

Document Number0000291256
DateNov 04, 2022
Book Page12476/24
Instrument2022291256
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2052

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address891 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568
Transaction TypeMortgage
Record UpdatedMay 12, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address891 E REFLECTIONS LO, WINTER HAVEN, FL 33884-3568

Mortgage

Document Number0000110415
DateApr 29, 2021
Book Page11692/509
Instrument2021110415
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address891 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568
Document Number0110930943
Instrument DateDec 12, 2019
Transaction TypeMortgage
Record UpdatedJan 23, 2020
Title CompanyNTC - KEY W

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address891 REFLECTIONS LOOP E WINTER HAVEN FL 338843568, WINTER HAVEN, FL 33884-3568

Mortgage

Document Number0110930943
DateDec 31, 2019
Book Page011093/000943
Instrument277604
Lender
NameHOME PT FIN'L
AddressPARSIPPANY, NJ 07054
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 30, 2049

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 26, 2018
Property Address891 REFLECTIONS LOOP E, WINTER HAVEN, FL 33884-3568
Document Number0106232003
Book / Page010623 / 002003
Instrument DateJun 28, 2018
Instrument204051
Transaction TypeTransfer
Record UpdatedNov 22, 2018

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,379.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address891 REFLECTIONS LOOP E WINTER HAVEN FL 338843568, WINTER HAVEN, FL 33884-3568

Mortgage

Document Number106232005
DateSep 26, 2018
Book Page010623/002005
Instrument204052
Lender
NameANGEL OAK MTG SOLUTIONS
AddressATLANTA, GA 30305
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 25, 2048
Interest
Rate TypeAdjustable Rate
Rate5%

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,177.00 (+7.36%)$276,899 (-1.07%) Land $39,000 Building $237,899$276,899 (-1.07%) Land $39,000 Building $237,899
2023$4,822.00 (+8.82%)$279,900 (+8.96%) Land $38,000 Building $241,900$279,900 (+8.96%) Land $38,000 Building $241,900
2022$4,431.00$256,881 Land $32,000 Building $224,881$256,881 Land $32,000 Building $224,881

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskLow
above 5% of the US · above 4% of Florida
Wildfire LikelihoodAbout 1 in 4,167 per year
ExposureDirect
burnable vegetation at the parcel

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

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