2195 Bretton Ridge Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 2195 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	0.133 acres (5,811 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,200 (Dec 2017)
Tax Bill	$1,648 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage Jun 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590014-000400`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590014-000400`
Alternative APNs	`252826590014000400` `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	5,811 sqft (0.133 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Screened/Unfinished Porch
Porch Area	240 sqft

Location & Zoning

Street Address	2195 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 40
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	BRETTON RIDGE
Legal Tract	590014
Legal Block	1
Legal Lot Number	40
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	2195 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage HOME SOLUTION LENDERS
Jun 21, 2017	Warranty Deed, Mortgage · Line of Credit BANK OF CTRL FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2017 · Amount on Record
Deed Sale	Dec 7, 2017 · Amount on Record
Prior Sale	Jun 21, 2017 · Amount on Record
Deed Document Number	2017234833
Deed Book / Page	10334 / 119
Record Updated	Oct 29, 2026

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 7, 2017
Property Address	2195 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0103340119
Book / Page	010334 / 000119
Instrument Date	Dec 2, 2017
Instrument	234833
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 10, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,345.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Brother and Sister
Address	2195 BRETTON RIDGE LOOP WINTER HAVEN FL 338841185, WINTER HAVEN, FL 33884-1185

Mortgage

Document Number	103340120
Date	Dec 7, 2017
Book Page	010334/000120
Instrument	234834

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

June 2017: Warranty Deed, Mortgage

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 21, 2017
Property Address	2195 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1185
Document Number	0101830263
Book / Page	010183 / 000263
Instrument Date	Jun 20, 2017
Instrument	118589
Transaction Type	Mortgage
Record Updated	Jul 11, 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

Mortgage

Document Number	101830265
Date	Jun 21, 2017
Book Page	010183/000265
Instrument	118590

Lender

Name	BANK OF CTRL FL
Type	Bank
Address	LAKELAND, FL 33813

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$169,305 (+2.7%)	$242,812 (-2.26%) Land $42,000 Building $200,812
2025	$1,648.00 (-18.94%) Homeowner's exemption	$164,854 (+5.99%)	$248,421 (-0.59%) Land $42,000 Building $206,421
2023	$2,033.00 (+3.46%) Homeowner's exemption	$155,542 (+3%)	$249,893 (+7.27%) Land $40,000 Building $209,893
2022	$1,965.00 Homeowner's exemption	$151,012	$232,959 Land $34,000 Building $198,959

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.

Nearby Properties on Bretton Ridge Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures