5555 Bess Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 5555 Bess Ln, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,836 sqft · built 2006
Lot Size	0.154 acres (6,686 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Nov 2021)
Tax Bill	$5,754 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-01-663574-000420`

Property Details

APN / Parcel Number

Primary APN	`26-29-01-663574-000420`
Alternative APNs	`012926663574000420` `12926000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,836 sqft Living Area
Gross Area	3,250 sqft
1st Floor Area	1,216 sqft
Upper Floors Area	1,620 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,686 sqft (0.154 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	414 sqft
Porch	Unfinished Open Porch
Porch Area	18 sqft

Location & Zoning

Street Address	5555 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 42
Legal Range	26E
Legal Township	29S
Legal Section	01
Legal Subdivision	BENTLEY PLACE
Legal Tract	663574
Legal Block	2
Legal Lot Number	42
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2016
Census Tract	14003

Owner

5555 Bess Ln is owned and occupied by two individuals who bought it in November 2021.

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5555 BESS LN, WINTER HAVEN, FL 33884-4166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Jul 30, 2021	Warranty Deed, Transfer OS NATIONAL LLC
Feb 27, 2017	Warranty Deed, Transfer · FHA Mortgage MOTIVE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2021 · Amount on File
Deed Sale	Nov 16, 2021 · Amount on File
Prior Sale	Jul 30, 2021 · Amount on File
Deed Document Number	2021298856
Deed Book / Page	11984 / 1333
Prior Transfer Date	Sep 16, 2010
Prior Transfer Doc	0000162872
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 16, 2021
Property Address	5555 BESS LN, WINTER HAVEN, FL 33884-4166
Document Number	0000298856
Book / Page	11984 / 1333
Map Reference	MB 130 PG 26
Instrument Date	Nov 5, 2021
Instrument	2021298856
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5555 BESS LN, WINTER HAVEN, FL 33884-4166

Mortgage

Document Number	0119841335
Date	Nov 16, 2021
Instrument	11984/1335

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 30, 2021
Property Address	5555 BESS LN, WINTER HAVEN, FL 33884-4166
Document Number	0000199032
Book / Page	11827 / 1966
Map Reference	MB 130 PG 26
Instrument Date	Jul 26, 2021
Instrument	2021199032
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$1,822.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3934 BROOKGREEN DR, FAYETTEVILLE, NC 28304-0484

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 27, 2017
Property Address	5555 BESS LN, WINTER HAVEN, FL 33884-4166
Document Number	0100760433
Book / Page	010076 / 000433
Instrument Date	Feb 22, 2017
Instrument	38018
Transaction Type	Transfer
Record Updated	Mar 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5555 BESS LN WINTER HAVEN FL 338844166, WINTER HAVEN, FL 33884-4166

Mortgage

Document Number	100760435
Date	Feb 27, 2017
Book Page	010076/000435
Instrument	38019

Lender

Name	MOTIVE LNDG
Address	FLINT, MI 48501-2026

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5555 Bess Ln was $5,754.

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		$292,641 (-4.91%) Land $39,000 Building $253,641	$292,641 (-4.91%) Land $39,000 Building $253,641
2025	$5,754.00	$307,737 Land $39,000 Building $268,737	$307,737 Land $39,000 Building $268,737
2023	$5,390.00 (+13.09%)	$309,936 (+23.72%) Land $38,000 Building $271,936	$309,936 (+23.72%) Land $38,000 Building $271,936
2022	$4,766.00	$250,522 Land $32,000 Building $218,522	$250,522 Land $32,000 Building $218,522

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5555 Bess Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5555 Bess Ln is low, with a 0.03% annual chance of 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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