2180 Bretton Ridge Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 2180 Bretton Ridge Loop, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,532 sqft · built 2018
Lot Size	0.15 acres (6,551 sqft)
Owner	Individual Name on Record
Last Sale	$179,200 (Mar 2018)
Tax Bill	$2,481 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590014-000620`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590014-000620`
Alternative APNs	`252826590014000620` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,532 sqft Living Area
Gross Area	1,932 sqft
1st Floor Area	1,532 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
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	400 sqft
Porch	Unfinished Open Porch
Porch Area	159 sqft

Location & Zoning

Street Address	2180 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 62
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	BRETTON RIDGE
Legal Tract	590014
Legal Block	1
Legal Lot Number	62
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2180 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Mar 2, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage SOUTHEAST TX HSNG FIN
Sep 18, 2017	Loan Modification, Mortgage · Line of Credit BRANCH BANKING & TRUST CO
Sep 18, 2017	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2018 · Amount on Record
Deed Sale	Mar 2, 2018 · Amount on Record
Prior Sale	Sep 18, 2017 · Amount on Record
Deed Document Number	201847217
Deed Book / Page	10412 / 1143
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2180 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2180 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184

Mortgage

Document Number	0000191857
Date	Jul 23, 2021
Book Page	11816/914
Instrument	2021191857

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Mar 1, 2048

March 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 2, 2018
Property Address	2180 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0104121143
Book / Page	010412 / 001143
Instrument Date	Feb 28, 2018
Instrument	47217
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 25, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,254.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2180 BRETTON RIDGE LOOP WINTER HAVEN FL 338841184, WINTER HAVEN, FL 33884-1184

Mortgage

Document Number	104121160
Date	Mar 2, 2018
Book Page	010412/001160
Instrument	47219

Lender

Name	SOUTHEAST TX HSNG FIN
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	104121144,
Date	Mar 2, 2018
Book Page	010412/001144
Instrument	47218

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Recording Date	Sep 18, 2017
Property Address	2180 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0102621267
Book / Page	010262 / 001267
Instrument Date	Sep 7, 2017
Instrument	177909
Transaction Type	Mortgage
Record Updated	Oct 9, 2017
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

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	102621267
Date	Sep 18, 2017
Book Page	010262/001267
Instrument	177909

Lender

Name	BRANCH BANKING & TRUST CO
Address	255 S ORANGE AVE # 10TH, ORLANDO, FL 32801-3445

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 18, 2017
Property Address	2180 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0102621259
Book / Page	010262 / 001259
Instrument Date	Sep 7, 2017
Instrument	177905
Transaction Type	Transfer
Record Updated	Oct 9, 2017
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$168.00

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		$222,619 (-2.21%) Land $42,000 Building $180,619	$222,619 (-2.21%) Land $42,000 Building $180,619
2025	$2,481.00 (-22.95%) Homeowner's exemption	$227,653 (-0.48%) Land $42,000 Building $185,653	$227,653 (-0.48%) Land $42,000 Building $185,653
2023	$3,220.00 (+7.01%)	$228,758 (+7.21%) Land $40,000 Building $188,758	$228,758 (+7.21%) Land $40,000 Building $188,758
2022	$3,009.00	$213,368 Land $34,000 Building $179,368	$213,368 Land $34,000 Building $179,368

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	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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