2191 Bretton Ridge Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 2191 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	0.147 acres (6,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Nov 2021)
Tax Bill	$3,274 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590014-000390`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590014-000390`
Alternative APNs	`252826590014000390` `52826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,774 sqft Living Area
Gross Area	2,154 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	6,382 sqft (0.147 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Unfinished Open Porch
Porch Area	240 sqft

Location & Zoning

Street Address	2191 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 39
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	BRETTON RIDGE
Legal Tract	590014
Legal Block	1
Legal Lot Number	39
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	11702 RAINDROP RD, JACKSONVILLE, FL 32219-5158
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Jan 2, 2024	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Mar 22, 2023	Re-recorded Document · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 16, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 11, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 8, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Sep 18, 2017 · Amount on Record
Deed Document Number	2021299372
Deed Book / Page	11985 / 844
Prior Transfer Date	Jan 11, 2020
Prior Transfer Doc	0000007223
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Transaction Type	Mortgage
Record Updated	Nov 13, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	0000255683
Date	Oct 29, 2025
Book Page	13757/924
Instrument	2025255683

Lender

Name	M & T BANK
Type	Bank
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	314 Months
Due	Dec 1, 2051

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Transaction Type	Mortgage
Record Updated	Jan 18, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	0000000582
Date	Jan 2, 2024
Book Page	12959/2213
Instrument	2024000582

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Dec 1, 2051

March 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	POLK FL
Recording Date	Mar 22, 2023
Property Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0000066355
Book / Page	12624 / 1301
Map Reference	MB 149 PG 9
Instrument Date	Nov 29, 2021
Instrument	2023066355
Record Updated	Apr 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 E PINE ST APT 1406, 1406, ORLANDO, FL 32801-6625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	0000052383
Date	Mar 7, 2023
Book Page	12605/425
Instrument	2023052383

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Dec 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 16, 2021
Property Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0000299372
Book / Page	11985 / 844
Map Reference	MB 149 PG 9
Instrument Date	Nov 5, 2021
Instrument	2021299372
Transaction Type	Transfer
Record Updated	Dec 2, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 E PINE ST APT 1406, 415, ORLANDO, FL 32801-6625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	0011985845
Date	Nov 16, 2021
Instrument	11985/845

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 11, 2021
Property Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0115330812
Book / Page	011533 / 000812
Instrument Date	Jan 11, 2021
Instrument	7223
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2191 BRETTON RIDGE LOOP WINTER HAVEN FL 338841185, WINTER HAVEN, FL 33884-1185

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 8, 2017
Property Address	2191 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0100851386
Book / Page	010085 / 001386
Instrument Date	Mar 4, 2017
Instrument	45322
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 15, 2017
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,304.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2191 BRETTON RIDGE LOOP WINTER HAVEN FL 338841185, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	100851387
Date	Mar 8, 2017
Book Page	010085/001387
Instrument	45323

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 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		$241,438 (-2.26%) Land $42,000 Building $199,438	$241,438 (-2.26%) Land $42,000 Building $199,438
2025	$3,274.00 (-14.43%)	$247,032 (-0.6%) Land $42,000 Building $205,032	$247,032 (-0.6%) Land $42,000 Building $205,032
2023	$3,826.00 (+5.69%)	$248,533 (+7.14%) Land $40,000 Building $208,533	$248,533 (+7.14%) Land $40,000 Building $208,533
2022	$3,620.00	$231,979 Land $34,000 Building $197,979	$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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