2168 Bretton Ridge Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 2168 Bretton Ridge Loop, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 2017
Lot Size	0.15 acres (6,551 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,400 (Jul 2024)
Tax Bill	$2,405 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590014-000630`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590014-000630`
Alternative APNs	`252826590014000630` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	1,902 sqft
1st Floor Area	1,560 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	6,551 sqft (0.15 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	342 sqft
Porch	Finished/Open Porch
Porch Area	84 sqft

Location & Zoning

Street Address	2168 BRETTON RIDGE LOOP
City	WINTER HAVEN
State	FL
Zip	33884-1184
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRETTON RIDGE PB 149 PG 9-10 LOT 63
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	BRETTON RIDGE
Legal Tract	590014
Legal Block	1
Legal Lot Number	63
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1019
Census Tract	14001

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2168 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC
May 18, 2017	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on Record
Deed Sale	Jul 26, 2024 · Amount on Record
Prior Sale	Jan 4, 2018 · Amount on Record
Deed Document Number	2024173257
Deed Book / Page	13206 / 1458
Record Updated	Oct 29, 2026

January 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 4, 2018
Property Address	2168 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0103591446
Book / Page	010359 / 001446
Instrument Date	Dec 29, 2017
Instrument	3113
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2168 BRETTON RIDGE LOOP WINTER HAVEN FL 338841184, WINTER HAVEN, FL 33884-1184

Mortgage

Document Number	103591447
Date	Jan 4, 2018
Book Page	010359/001447
Instrument	3114

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 18, 2017
Property Address	2168 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0101500472
Book / Page	010150 / 000472
Instrument Date	May 15, 2017
Instrument	94714
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$161.00

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

Tax Assessment & Valuation

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		$216,973 (-2.25%) Land $42,000 Building $174,973	$216,973 (-2.25%) Land $42,000 Building $174,973
2025	$2,405.00 (+31.85%) Homeowner's exemption	$221,960 (+58.46%) Land $42,000 Building $179,960	$221,960 (-0.56%) Land $42,000 Building $179,960
2023	$1,824.00 (+3.7%) Homeowner's exemption	$140,076 (+3%)	$223,211 (+6.69%) Land $40,000 Building $183,211
2022	$1,759.00 Homeowner's exemption	$135,996	$209,216 Land $34,000 Building $175,216

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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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