2175 Bretton Ridge Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 2175 Bretton Ridge Loop, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,076 sqft · built 2017
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$205,800 (Dec 2017)
Tax Bill	$1,839 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590014-000360`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590014-000360`
Alternative APNs	`252826590014000360` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,076 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	2,076 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	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	240 sqft

Location & Zoning

Street Address	2175 BRETTON RIDGE LOOP
City	WINTER HAVEN
State	FL
Zip	33884-1185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRETTON RIDGE PB 149 PG 9-10 LOT 36
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	BRETTON RIDGE
Legal Tract	590014
Legal Block	1
Legal Lot Number	36
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1015
Census Tract	14001

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 Record	Individual Name on Record
Mailing Address	2175 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Mar 8, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 8, 2017	Warranty Deed, Transfer
Dec 8, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS
May 16, 2017	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Apr 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2017 · Amount on Record
Deed Sale	Dec 8, 2017 · Amount on Record
Prior Sale	May 16, 2017 · Amount on Record
Deed Document Number	2017235906
Deed Book / Page	10335 / 951
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2175 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2175 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	0000009119
Date	Jan 12, 2023
Book Page	12549/1173
Instrument	2023009119

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2175 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2175 BRETTON R4IDGE LOOP, WINTER HAVEN, FL 33884

Mortgage

Document Number	0000061467
Date	Mar 8, 2022
Book Page	12149/933
Instrument	2022061467

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 8, 2017
Property Address	2175 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0103360510
Book / Page	010336 / 000510
Instrument Date	Dec 7, 2017
Instrument	236478
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Tax	$304.00

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

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 8, 2017
Property Address	2175 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0103350951
Book / Page	010335 / 000951
Instrument Date	Dec 6, 2017
Instrument	235906
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 20, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,440.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2175 BRETTON RIDGE LOOP WINTER HAVEN FL 338841185, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	103350952
Date	Dec 8, 2017
Book Page	010335/000952
Instrument	235907

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 16, 2017
Property Address	2175 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0101471150
Book / Page	010147 / 001150
Instrument Date	May 10, 2017
Instrument	92561
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$161.00
Additional	Arm's Length

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

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Apr 11, 2017
Property Address	2175 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0101160184
Book / Page	010116 / 000184
Instrument Date	Dec 31, 2016
Instrument	69035
Transaction Type	Transfer
Record Updated	Mar 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 334 WINTER HAVEN FL 338820334, WINTER HAVEN, FL 33882-0334

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		$189,195 (+2.7%)	$268,570 (-2.32%) Land $42,000 Building $226,570
2025	$1,839.00 (-16.86%) Homeowner's exemption	$184,221 (+5.99%)	$274,945 (-0.72%) Land $42,000 Building $232,945
2023	$2,212.00 (+0.5%) Homeowner's exemption	$173,815 (+3%)	$276,940 (+6.53%) Land $40,000 Building $236,940
2022	$2,201.00 Homeowner's exemption	$168,752	$259,974 Land $34,000 Building $225,974

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 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	High above 70% of the US · above 52% 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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