7 Bridgewater Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 7 Bridgewater Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,061 sqft · built 1989
Lot Size	0.329 acres (14,336 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,538 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-29-11-687421-000210`

Property Details

APN / Parcel Number

Primary APN	`26-29-11-687421-000210`
Alternative APNs	`112926687421000210` `12926000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,061 sqft Living Area
Gross Area	4,975 sqft
1st Floor Area	1,870 sqft
Upper Floors Area	2,191 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	14,336 sqft (0.329 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	914 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	734 sqft
Porch	Screened/Unfinished Porch
Porch Area	690 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7 BRIDGEWATER DR
City	WINTER HAVEN
State	FL
Zip	33884-3005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDGEWATER SUBDIVISION PB 77 PG 26 LOT 21 & A UNDIVIDED INTEREST IN A TRACT OF LAND DESIGNATED LAKE ACCESS FOR PROPERTY OWNERS
Legal Range	26E
Legal Township	29S
Legal Section	11
Legal Subdivision	BRIDGEWATER
Legal Tract	687421
Legal Block	1
Legal Lot Number	21
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1003
Census Tract	14006

Owner

7 Bridgewater Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	7 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005
Document Number	0105861781
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Sep 6, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 BRIDGEWATER DR WINTER HAVEN FL 338843005, WINTER HAVEN, FL 33884-3005

Mortgage

Document Number	0105861781
Date	Aug 21, 2018
Book Page	010586/001781
Instrument	177552

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 20, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7 Bridgewater Dr was $3,538 with a homeowner's exemption.

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		$315,710 (+2.7%)	$487,424 (-8.8%) Land $78,000 Building $409,424
2025	$3,538.00 Homeowner's exemption	$307,410	$534,430 Land $78,000 Building $456,430
2023	$3,847.00 (+2.5%) Homeowner's exemption	$290,045 (+3%)	$557,348 (+32.09%) Land $76,000 Building $481,348
2022	$3,753.00 Homeowner's exemption	$281,597	$421,945 Land $64,000 Building $357,945

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

Flood

FEMA maps place 7 Bridgewater Dr in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2004–2022)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian

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 7 Bridgewater Dr is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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 90 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
AT&T Fixed Wireless	100 / 20