Polk County property record for 5535 Bess Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,242 sqft · built 2006 |
| Lot Size | 0.133 acres (5,776 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $203,900 (Apr 2006) |
| Tax Bill | $1,341 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663574-000440 |
| Primary APN | 26-29-01-663574-000440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,242 sqft Living Area |
| Gross Area | 2,662 sqft |
| 1st Floor Area | 1,160 sqft |
| Upper Floors Area | 1,082 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,776 sqft (0.133 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 18 sqft |
| Street Address | 5535 BESS LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-4166 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BENTLEY PLACE PB 130 PGS 26-27 LOT 44 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | BENTLEY PLACE |
| Legal Tract | 663574 |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 14003 |
Source: Polk County records, as of June 23, 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 | 5535 BESS LN, WINTER HAVEN, FL 33884-4166 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2006 · Amount on Record |
| Deed Sale | Apr 6, 2006 · Amount on Record |
| Deed Document Number | 200685889 |
| Deed Book / Page | 6714 / 728 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 5535 BESS LN, WINTER HAVEN, FL 33884-4166 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5535 BESS LN, WINTER HAVEN, FL 33884-4166 |
| Document Number | 0000108764 |
|---|---|
| Date | May 9, 2024 |
| Book Page | 13111/1062 |
| Instrument | 2024108764 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 2, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,341.00 (+16.2%) Homeowner's exemption | $115,214 (+10.8%) | $268,727 (+0.99%) Land $39,000 Building $229,727 |
| 2023 | $1,154.00 (+4.25%) Homeowner's exemption | $103,988 (+3%) | $266,087 (+22.97%) Land $38,000 Building $228,087 |
| 2022 | $1,107.00 Homeowner's exemption | $100,959 | $216,376 Land $32,000 Building $184,376 |
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.
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 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2005) |
| Most Recent Claim | Oct 2005 · Hurricane Wilma |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Frontier.
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