1955 Bretton Ridge Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 1955 Bretton Ridge Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,445 sqft · built 2017
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Last Sale	$217,900 (Nov 2020)
Tax Bill	$2,895 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Dec 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590014-000130`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590014-000130`
Alternative APNs	`252826590014000130` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,445 sqft Living Area
Gross Area	1,845 sqft
1st Floor Area	1,445 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,750 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Screened/Unfinished Porch
Porch Area	104 sqft

Location & Zoning

Street Address	1955 BRETTON RIDGE DR
City	WINTER HAVEN
State	FL
Zip	33884-1177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRETTON RIDGE PB 149 PG 9-10 LOT 13
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	BRETTON RIDGE
Legal Block	1
Legal Lot Number	13
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1015
Census Tract	14001

Owner

1955 Bretton Ridge Dr is owned by two individuals who bought it in November 2020.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3107 SARATOGA LAKE CT, LAKELAND, FL 33811-2406
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Warranty Deed, Transfer · Conventional with PMI FIRST HM BK
Dec 6, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG
Jan 7, 2020	Correction Deed, Transfer EXECUTIVE TITLE/CTRL FL INC
Jun 27, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS
Jan 25, 2017	Warranty Deed, Transfer INNOVATIVE TITLE AGENCY
Jan 24, 2017	Loan Modification, Mortgage · Line of Credit GULFSHORE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2020 · Amount on File
Deed Sale	Nov 18, 2020 · Amount on File
Prior Sale	Jan 18, 2020 · Amount on File
Deed Document Number	2020247366
Deed Book / Page	11460 / 1256
Prior Transfer Date	Dec 2, 2019
Prior Transfer Doc	0000003943
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 18, 2020
Property Address	1955 BRETTON RIDGE DR, WINTER HAVEN, FL 33884-1177
Document Number	0114601256
Book / Page	011460 / 001256
Instrument Date	Nov 13, 2020
Instrument	247366
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1955 BRETTON RIDGE DR WINTER HAVEN FL 338841177, WINTER HAVEN, FL 33884-1177

Mortgage

Document Number	114601257
Date	Nov 18, 2020
Book Page	011460/001257
Instrument	247367

Lender

Name	FIRST HM BK
Type	Bank
Address	SEMINOLE, FL 33772

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 6, 2019
Property Address	1955 BRETTON RIDGE DR, WINTER HAVEN, FL 33884-1177
Document Number	0110671005
Book / Page	011067 / 001005
Instrument Date	Dec 2, 2019
Instrument	259936
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1955 BRETTON RIDGE DR WINTER HAVEN FL 338841177, WINTER HAVEN, FL 33884-1177

Mortgage

Document Number	110671006
Date	Dec 6, 2019
Book Page	011067/001006
Instrument	259937

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2049

January 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	POLK FL
Recording Date	Jan 7, 2020
Property Address	1955 BRETTON RIDGE DR, WINTER HAVEN, FL 33884-1177
Document Number	0110990823
Book / Page	011099 / 000823
Instrument Date	Dec 2, 2019
Instrument	3943
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	EXECUTIVE TITLE/CTRL FL INC

Transaction

Amount	Amount on Record
Tax	$1,435.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1955 BRETTON RIDGE DR WINTER HAVEN FL 338841177, WINTER HAVEN, FL 33884-1177

June 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 27, 2017
Property Address	1955 BRETTON RIDGE DR, WINTER HAVEN, FL 33884-1177
Document Number	0101871822
Book / Page	010187 / 001822
Instrument Date	Jun 23, 2017
Instrument	122137
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 4, 2020
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 BRETTON RIDGE DR WINTER HAVEN FL 338841177, WINTER HAVEN, FL 33884-1177

Mortgage

Document Number	101871823
Date	Jun 27, 2017
Book Page	010187/001823
Instrument	122138

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 25, 2017
Property Address	1955 BRETTON RIDGE DR, WINTER HAVEN, FL 33884-1177
Document Number	0100462029
Book / Page	010046 / 002029
Instrument Date	Jan 24, 2017
Instrument	14784
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	INNOVATIVE TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$140.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	1955 BRETTON RIDGE DR, WINTER HAVEN, FL 33884-1177
Document Number	0100462031
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	INNOVATIVE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

Mortgage

Document Number	0100462031
Date	Jan 25, 2017
Book Page	010046/002031
Instrument	14785

Lender

Name	GULFSHORE BK
Type	Bank
Address	401 S FLORIDA AVE, TAMPA, FL 33602-5446

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1955 Bretton Ridge Dr was $2,895.

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$213,670 (-2.19%) Land $42,000 Building $171,670	$213,670 (-2.19%) Land $42,000 Building $171,670
2025	$2,895.00	$218,462 Land $42,000 Building $176,462	$218,462 Land $42,000 Building $176,462
2023	$2,074.00 (+3.39%) Homeowner's exemption	$158,625 (+3%)	$219,413 (+7.32%) Land $40,000 Building $179,413
2022	$2,006.00 Homeowner's exemption	$154,005	$204,456 Land $34,000 Building $170,456

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

Flood

FEMA maps place 1955 Bretton Ridge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	134 units insured incl. 91 condo units
Nearby Flood Claims	22 (1979–2022)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 11 claims

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

Wildfire risk around 1955 Bretton Ridge Dr is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 System	ORCHID SPRINGS private · serves 750 people · EPA ID FL6531313
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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