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124 Bermuda Ct, Winter Haven, FL 33880 Property Records

Polk County property record for 124 Bermuda Ct, Winter Haven, FL 33880

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,518 sqft · built 1980
Lot Size1 acres (43,560 sqft)
Owner2 Individual Names on Record
Last Sale$110,000 (Dec 2015)
Tax Bill$740 (2025)
Deeds & MortgagesJan 2022 Mortgage
Aug 2018 Transfer
Flood ZoneZone AE (high risk)
APN25-29-02-000000-014280

Property Details

APN / Parcel Number

Primary APN25-29-02-000000-014280
Alternative APNs
  • 022925000000014280
  • 22925000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,518 sqft Living Area
Gross Area1,218 sqft
1st Floor Area1,218 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area43,560 sqft
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area216 sqft
CarportCarport
Carport Area216 sqft
PorchScreened/Unfinished Porch
Porch Area360 sqft
Shed1 Shed

Location & Zoning

Street Address124 BERMUDA CT
CityWINTER HAVEN
StateFL
Zip33880-1606
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRC
Legal DescriptionS 150 FT OF N 784 FT OF E 290.4 FT OF W 971.2 FT OF THE FOLLOWING SW1/4 OF NE1/4 & NW1/4 OF SE1/4 BEING LOT 11 OF UNRE LAKEWOOD ACRES
Legal Range25E
Legal Township29S
Legal Section02
Legal SubdivisionEMERALD ACRES
Legal Tract000000
Legal Block3
Legal Lot Number11
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group3
Census Block3002
Census Tract14701

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address124 BERMUDA CT, WINTER HAVEN, FL 33880-1606
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 7, 2022Deed of Trust, Mortgage · Conventional Mortgage
ROYAL UNITED MORTGAGE LLC
Aug 16, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 9, 2015 · Amount on Record
Deed SaleDec 9, 2015 · Amount on Record
Deed Document Number2015220055
Deed Book / Page9693 / 2216
Last Transfer DateAug 15, 2018
Transfer Doc0000174525
Record UpdatedOct 29, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address124 BERMUDA CT, WINTER HAVEN, FL 33880-1606
Transaction TypeMortgage
Record UpdatedJan 21, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address124 BERMUDA CT, WINTER HAVEN, FL 33880-1606

Mortgage

Document Number0000006192
DateJan 7, 2022
Book Page12063/1824
Instrument2022006192
Lender
NameROYAL UNITED MORTGAGE LLC
TypeMortgage Company
AddressINDIANAPOLIS, IN 46250
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 1, 2037

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateAug 16, 2018
Property Address124 BERMUDA CT, WINTER HAVEN, FL 33880-1606
Document Number0105822077
Book / Page010582 / 002077
Instrument DateAug 15, 2018
Instrument174525
Transaction TypeTransfer
Record UpdatedAug 29, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address124 BERMUDA CT WINTER HAVEN FL 338801606, WINTER HAVEN, FL 33880-1606

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$100,137 (+2.7%)$181,322 (+1.91%) Land $4,686 Building $176,636
2025$740.00 (-44.98%) Homeowner's exemption$97,504 (+5.43%)$177,931 (-6.29%) Land $4,686 Building $173,245
2024$1,345.00 (+12.36%)
2023$1,197.00 (+5.18%) Homeowner's exemption$92,484 (+3%)$189,878 (+13.1%) Land $4,506 Building $185,372
2022$1,138.00 Homeowner's exemption$89,790$167,882 Land $3,768 Building $164,114

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation135.5 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 39 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies39 in force
Nearby Flood Claims2 (2022)
Most Recent ClaimOct 2022 · Hurricane Ian

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCYPRESS ACRES MOBILE HOME PARK
private · serves 78 people · EPA ID FL6530677
Water SourceGroundwater
Last State InspectionNov 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting7
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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