2183 Bretton Ridge Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 2183 Bretton Ridge Loop, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,774 sqft · built 2017
Lot Size	0.132 acres (5,732 sqft)
Owner	2 Individual Names on Record
Last Sale	$184,300 (Mar 2017)
Tax Bill	$2,098 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590014-000380`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590014-000380`
Alternative APNs	`252826590014000380` `52826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,774 sqft Living Area
Gross Area	2,275 sqft
1st Floor Area	1,774 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	5,732 sqft (0.132 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Florida Room
Porch Area	240 sqft

Location & Zoning

Street Address	2183 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 38
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	BRETTON RIDGE
Legal Tract	590014
Legal Block	1
Legal Lot Number	38
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	2 Individual Names on Record
Mailing Address	2183 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC
Apr 1, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 12, 2020	Deed of Trust, Mortgage · Line of Credit CITIBANK
Mar 14, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2017 · Amount on Record
Deed Sale	Mar 14, 2017 · Amount on Record
Prior Sale	Oct 6, 2016 · Amount on Record
Deed Document Number	201748607
Deed Book / Page	10089 / 2164
Last Transfer Date	Apr 1, 2020
Transfer Doc	0111940462
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2183 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2183 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	0000017464
Date	Jan 20, 2022
Book Page	12081/1154
Instrument	2022017464

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Apr 1, 2020
Property Address	2183 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0111940462
Book / Page	011194 / 000462
Instrument Date	Apr 1, 2020
Instrument	71257
Transaction Type	Transfer
Record Updated	May 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2183 BRETTON RIDGE LOOP WINTER HAVEN FL 338841185, WINTER HAVEN, FL 33884-1185

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2183 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0111811057
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2183 BRETTON RIDGE LOOP WINTER HAVEN FL 338841185, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	0111811057
Date	Mar 19, 2020
Book Page	011181/001057
Instrument	63091

Lender

Name	CITIBANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 14, 2017
Property Address	2183 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0100892164
Book / Page	010089 / 002164
Instrument Date	Mar 6, 2017
Instrument	48607
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 16, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2183 BRETTON RIDGE LOOP WINTER HAVEN FL 338841185, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	100892165
Date	Mar 14, 2017
Book Page	010089/002165
Instrument	48608

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2047

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		$204,137 (+2.7%)	$286,585 (+2%) Land $42,000 Building $244,585
2025	$2,098.00 (-20.92%) Homeowner's exemption	$198,770 (+5.99%)	$280,968 (-0.81%) Land $42,000 Building $238,968
2024	$2,653.00 (+7.67%)
2023	$2,464.00 (+25.39%) Homeowner's exemption	$187,542 (+24.19%)	$283,252 (+22.1%) Land $40,000 Building $243,252
2022	$1,965.00 Homeowner's exemption	$151,012	$231,979 Land $34,000 Building $197,979

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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