2198 Bretton Ridge Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 2198 Bretton Ridge Loop, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 2017
Lot Size	0.155 acres (6,761 sqft)
Owner	Company Name on Record
Last Sale	$312,000 (Oct 2022)
Tax Bill	$2,941 (2025)
Deeds & Mortgages	Feb 2024 Sale Oct 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-25-590014-000610`

Property Details

APN / Parcel Number

Primary APN	`26-28-25-590014-000610`
Alternative APNs	`252826590014000610` `52826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	1,902 sqft
1st Floor Area	1,560 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	6,761 sqft (0.155 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	342 sqft
Porch	Finished/Open Porch
Porch Area	84 sqft

Location & Zoning

Street Address	2198 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 61
Legal Range	26E
Legal Township	28S
Legal Section	25
Legal Subdivision	BRETTON RIDGE
Legal Tract	590014
Legal Block	1
Legal Lot Number	61
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	Company Name on Record
Mailing Address	1850 PARKWAY PL SE, 900, MARIETTA, GA 30067-8261
Owner Type	Company
Vesting	Limited Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Special Warranty Deed, Transfer OS NATIONAL LLC
Oct 24, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 25, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jul 11, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 10, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS
Apr 13, 2017	Warranty Deed, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Prior Sale	Aug 10, 2017 · Amount on Record
Deed Document Number	2022279598
Deed Book / Page	12459 / 1327
Prior Transfer Date	Jul 5, 2018
Prior Transfer Doc	0000147407
Record Updated	Oct 29, 2026

February 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 27, 2024
Property Address	2198 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0000045683
Book / Page	13020 / 1197
Map Reference	MB 149 PG 9&10
Instrument Date	Feb 23, 2024
Instrument	2024045683
Transaction Type	Transfer
Record Updated	Mar 7, 2024
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 24, 2022
Property Address	2198 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0000279598
Book / Page	12459 / 1327
Map Reference	MB 149 PG 9
Instrument Date	Oct 18, 2022
Instrument	2022279598
Transaction Type	Transfer
Record Updated	Nov 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,184.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 AVENUE A SW # SW1013, 140, WINTER HAVEN, FL 33880-6303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	2198 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0114011551
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 BRETTON RIDGE LOOP WINTER HAVEN FL 338841184, WINTER HAVEN, FL 33884-1184

Mortgage

Document Number	0114011551
Date	Oct 6, 2020
Book Page	011401/001551
Instrument	209170

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Oct 5, 2047

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jul 11, 2018
Property Address	2198 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0105450821
Book / Page	010545 / 000821
Instrument Date	Jul 5, 2018
Instrument	147497
Transaction Type	Transfer
Record Updated	Jul 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2198 BRETTON RIDGE LOOP WINTER HAVEN FL 338841184, WINTER HAVEN, FL 33884-1184

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 10, 2017
Property Address	2198 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0102292013
Book / Page	010229 / 002013
Instrument Date	Aug 8, 2017
Instrument	153176
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 28, 2017
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 BRETTON RIDGE LOOP WINTER HAVEN FL 33884, WINTER HAVEN, FL 33884

Mortgage

Document Number	102292014
Date	Aug 10, 2017
Book Page	010229/002014
Instrument	153177

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2047

April 2017: Warranty Deed, Mortgage

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 13, 2017
Property Address	2198 BRETTON RIDGE LOOP, WINTER HAVEN, FL 33884-1184
Document Number	0101181946
Book / Page	010118 / 001946
Instrument Date	Apr 11, 2017
Instrument	71186
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$161.00

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	101181948
Date	Apr 13, 2017
Book Page	010118/001948
Instrument	71187

Lender

Name	CENTENNIAL BK
Type	Bank
Address	LAKELAND, FL 33801

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		$216,973 (-2.25%) Land $42,000 Building $174,973	$216,973 (-2.25%) Land $42,000 Building $174,973
2025	$2,941.00 (-15.61%)	$221,960 (-0.56%) Land $42,000 Building $179,960	$221,960 (-0.56%) Land $42,000 Building $179,960
2023	$3,485.00 (+76.72%)	$223,211 (+47.32%) Land $40,000 Building $183,211	$223,211 (+6.69%) Land $40,000 Building $183,211
2022	$1,972.00 Homeowner's exemption	$151,512	$209,216 Land $34,000 Building $175,216

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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