Hey Candace,
Just off the top of my head (keep in mind in only 5 ft 2)
it sounds like a pomagranete. I know that's not how to
spell it but it's close. Does it have a hard skin and
small seeds inside?
Hope this helps.
Brenda

Candice
The fruit you describe could be a Persimmon but their flowers are almost unnoticeable. What color is the flower? If your picture is digital (jpeg) you could open a free account on Photobucket and direct link it here. After you open the account just copy the direct link and paste it into your post.
Here is the link to Photobucket http://photobucket.com/

We had a Loquat Tree in California, that sounds like what you have. Wife made very good jam out of it. The fruit was mostly seed.
Norm

That's definitely a Japanese Persimmon, after it softens, it's very good to eat.