Polk County property record for 2 Bridgewater Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,472 sqft · built 1989 |
| Lot Size | 0.322 acres (14,013 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Sep 2025) |
| Tax Bill | $1,666 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-11-687421-000160 |
| Primary APN | 26-29-11-687421-000160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,472 sqft Living Area |
| Gross Area | 4,012 sqft |
| 1st Floor Area | 2,236 sqft |
| Upper Floors Area | 1,236 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 14,013 sqft (0.322 acres) |
| Lot Dimensions | 128 ft deep x 110 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Pool Type | Enclosed Pool |
| Porch | Screened/Unfinished Porch |
| Porch Area | 235 sqft |
| Street Address | 2 BRIDGEWATER DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRIDGEWATER SUBDIVISION PB 77 PG 26 LOT 16 & A UNDIVIDED INTEREST IN A TRACT OF LAND DESIGNATED LAKE ACCESS FOR PROPERTY OWNERS |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 11 |
| Legal Subdivision | BRIDGEWATER |
| Legal Tract | 687421 |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 14006 |
2 Bridgewater Dr is owned and occupied by two individuals who bought it in September 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · VA Mortgage KS STATEBANK |
| Sep 25, 2025 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Jun 30, 2020 | Warranty Deed, Transfer · VA Mortgage KS STATEBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on File |
| Deed Sale | Sep 25, 2025 · Amount on File |
| Prior Sale | Jun 30, 2020 · Amount on File |
| Deed Document Number | 2025225790 |
| Deed Book / Page | 13712 / 1678 |
| Prior Transfer Date | Apr 7, 2009 |
| Prior Transfer Doc | 0000075352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005 |
| Document Number | 0000290522 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 11971/845 |
| Instrument | 2021290522 |
| Name | KS STATEBANK |
|---|---|
| Type | Bank |
| Address | MANHATTAN, KS 66502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 25, 2025 |
| Property Address | 2 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005 |
| Document Number | 0000225790 |
| Book / Page | 13712 / 1678 |
| Map Reference | MB 77 PG 26 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 2025225790 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | APEX TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27623 LISA DR, TAVARES, FL 32778-9705 |
| Name | Verified Name |
|---|---|
| Address | 2 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005 |
| Document Number | 0137121680 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 13712/1680 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 30, 2020 |
| Property Address | 2 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005 |
| Document Number | 0112820607 |
| Book / Page | 011282 / 000607 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 130137 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,415.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2 BRIDGEWATER DR WINTER HAVEN FL 338843005, WINTER HAVEN, FL 33884-3005 |
| Document Number | 112820609 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 011282/000609 |
| Instrument | 130138 |
| Name | KS STATEBANK |
|---|---|
| Address | MANHATTAN, KS 66502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 29, 2050 |
The 2025 property tax bill for 2 Bridgewater Dr was $1,666, up 169.6% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $430,259 (+22.09%) Land $78,000 Building $352,259 | $430,259 (-6.57%) Land $78,000 Building $352,259 | |
| 2025 | $1,666.00 (+169.58%) | $352,398 (+2.9%) | $460,507 (-4.7%) Land $78,000 Building $382,507 |
| 2024 | $618.00 (+30.38%) Homeowner's exemption | $342,466 (+3%) | $483,241 (+0.25%) Land $78,000 Building $405,241 |
| 2023 | $474.00 (+6.76%) Homeowner's exemption | $332,491 (+3%) | $482,023 (+24.56%) Land $76,000 Building $406,023 |
| 2022 | $444.00 Homeowner's exemption | $322,807 | $386,968 Land $64,000 Building $322,968 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 Bridgewater 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 13 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 5 (2004–2022) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 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 risk around 2 Bridgewater Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 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.
Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures