3826 Bedford Ave, Winter Haven, FL 33884 Property Records

Polk County property record for 3826 Bedford Ave, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,871 sqft · built 2015
Lot Size	0.151 acres (6,564 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,500 (Dec 2020)
Tax Bill	$3,174 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-13-687554-000600`

Property Details

APN / Parcel Number

Primary APN	`26-29-13-687554-000600`
Alternative APNs	`132926687554000600` `32926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,871 sqft Living Area
Gross Area	2,291 sqft
1st Floor Area	1,871 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,564 sqft (0.151 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	174 sqft

Location & Zoning

Street Address	3826 BEDFORD AVE
City	WINTER HAVEN
State	FL
Zip	33884-5214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRADITIONS PHASE 2 PB 141 PGS 37-40 LOT 60
Legal Range	26E
Legal Township	29S
Legal Section	13
Legal Subdivision	TRADITIONS PHASE 2
Legal Phase	2
Legal Tract	687554
Legal Block	1
Legal Lot Number	60
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	1
Census Block	1014
Census Tract	14401

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	3826 BEDFORD AVE, WINTER HAVEN, FL 33884-5214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	2020268744
Deed Book / Page	11493 / 471
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 11, 2020
Property Address	3826 BEDFORD AVE, WINTER HAVEN, FL 33884-5214
Document Number	0114930471
Book / Page	011493 / 000471
Instrument Date	Dec 7, 2020
Instrument	268744
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,607.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3826 BEDFORD AVE WINTER HAVEN FL 338845214, WINTER HAVEN, FL 33884-5214

Mortgage

Document Number	114930473
Date	Dec 11, 2020
Book Page	011493/000473
Instrument	268745

Lender

Name	SOUTH ST BK
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$218,965 (+2.7%)	$249,380 (-7.8%) Land $60,000 Building $189,380
2025	$3,174.00 (+7.78%) Homeowner's exemption	$213,208 (+7.24%)	$270,464 (+2.32%) Land $60,000 Building $210,464
2023	$2,945.00 (+3.01%) Homeowner's exemption	$198,806 (+3%)	$264,342 (+8.63%) Land $58,000 Building $206,342
2022	$2,859.00 Homeowner's exemption	$193,016	$243,351 Land $48,000 Building $195,351

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force

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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20