5545 Bess Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 5545 Bess Ln, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,012 sqft · built 2006
Lot Size	0.133 acres (5,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$341,000 (Mar 2022)
Tax Bill	$4,224 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`26-29-01-663574-000430`

Property Details

APN / Parcel Number

Primary APN	`26-29-01-663574-000430`
Alternative APNs	`012926663574000430` `12926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,012 sqft Living Area
Gross Area	2,410 sqft
1st Floor Area	2,012 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,776 sqft (0.133 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	398 sqft
Porch	Unfinished Open Porch
Porch Area	54 sqft

Location & Zoning

Street Address	5545 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 43
Legal Range	26E
Legal Township	29S
Legal Section	01
Legal Subdivision	BENTLEY PLACE
Legal Tract	663574
Legal Block	2
Legal Lot Number	43
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2016
Census Tract	14003

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	5545 BESS LN, WINTER HAVEN, FL 33884-4166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 2, 2018	Loan Modification, Mortgage · Conventional Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	May 17, 2006 · Amount on Record
Deed Document Number	202269013
Deed Book / Page	12160 / 1649
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 15, 2022
Property Address	5545 BESS LN, WINTER HAVEN, FL 33884-4166
Document Number	0000069013
Book / Page	12160 / 1649
Map Reference	MB 130 PG 26&27
Instrument Date	Mar 14, 2022
Instrument	2022069013
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	NOT AVAILABLE, RESEMONT TITLE INS AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,387.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11909 CYPRESS HILL CIR, 11909, TAMPA, FL 33626-3606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 LITTLE RD, WURTSBORO, NY 12790-4908

Mortgage

Document Number	0121601651
Date	Mar 15, 2022
Instrument	12160/1651

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	5545 BESS LN, WINTER HAVEN, FL 33884-4166
Document Number	0105870794
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Sep 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5545 BESS LN WINTER HAVEN FL 338844166, WINTER HAVEN, FL 33884-4166

Mortgage

Document Number	0105870794
Date	Aug 21, 2018
Book Page	010587/000794
Instrument	177925

Lender

Name	DITECH FIN'L
Address	TEMPE, AZ 85284

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Aug 20, 2058

Interest

Rate	4.37%

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		$253,642 (-5.84%) Land $39,000 Building $214,642	$253,642 (-5.84%) Land $39,000 Building $214,642
2025	$4,224.00 (-4.37%) Homeowner's exemption	$269,369 (-2.66%) Land $39,000 Building $230,369	$269,369 (-2.66%) Land $39,000 Building $230,369
2023	$4,417.00 (+314.74%) Homeowner's exemption	$276,735 (+178.83%) Land $38,000 Building $238,735	$276,735 (+15.29%) Land $38,000 Building $238,735
2022	$1,065.00	$99,248	$240,039 Land $32,000 Building $208,039

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 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.

Wildfire

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.

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 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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