Polk County property record for 1020 Shady Ln, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,961 sqft · built 1972 |
| Lot Size | 0.276 acres (12,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $204,000 (Apr 2020) |
| Tax Bill | $3,540 (2025) |
| Deeds & Mortgages | Apr 2020 Sale & Mortgage Aug 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-06-394050-002080 |
| Primary APN | 25-30-06-394050-002080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,961 sqft Living Area |
| Gross Area | 2,301 sqft |
| 1st Floor Area | 1,961 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,001 sqft (0.276 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 340 sqft |
| Pool Area | 600 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 130 sqft |
| Patio Area | 288 sqft |
| Utility Building | 81 sqft |
| Cooling System | Central |
|---|
| Street Address | 1020 SHADY LN |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-3057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | RICHLAND MANOR UNIT #8 PB 55 PG 26 BLK T LOT 8 |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 06 |
| Legal Subdivision | RICHLAND MANOR UNIT NO 8 |
| Legal Tract | 394050 |
| Legal Block | T |
| Legal Lot Number | 8 |
| Legal Unit | 8 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 15000 |
1020 Shady Ln is owned and occupied by two individuals who bought it in April 2020.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1020 SHADY LN, BARTOW, FL 33830-3057 |
| 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.
| Date | Document |
|---|---|
| Apr 17, 2020 | Warranty Deed, Transfer · FHA Mortgage GUILD MTG |
| Aug 17, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING |
| Oct 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RP FNDG |
| Jun 2, 2017 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2020 · Amount on File |
| Deed Sale | Apr 17, 2020 · Amount on File |
| Prior Sale | Jun 27, 2012 · Amount on File |
| Deed Document Number | 202081532 |
| Deed Book / Page | 11209 / 2169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 17, 2020 |
| Property Address | 1020 SHADY LN, BARTOW, FL 33830-3057 |
| Document Number | 0112092169 |
| Book / Page | 011209 / 002169 |
| Instrument Date | Apr 17, 2020 |
| Instrument | 81532 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2020 |
| Title Company | OAK HARBOR TITLE SERVICES LLC, OAK HARBOR TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,428.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 492 N WASHINGTONIA CT BARTOW FL 338306339, BARTOW, FL 33830-6339 |
| Document Number | 112092171 |
|---|---|
| Date | Apr 17, 2020 |
| Book Page | 011209/002171 |
| Instrument | 81533 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1020 SHADY LN, BARTOW, FL 33830-3057 |
| Document Number | 0109541966 |
| Instrument Date | Aug 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1020 SHADY LN BARTOW FL 338303057, BARTOW, FL 33830-3057 |
| Document Number | 0109541966 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 010954/001966 |
| Instrument | 181815 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 27, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1020 SHADY LN, BARTOW, FL 33830-3057 |
| Document Number | 0106551685 |
| Instrument Date | Oct 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1020 SHADY LN BARTOW FL 338303057, BARTOW, FL 33830-3057 |
| Document Number | 0106551685 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 010655/001685 |
| Instrument | 227656 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 29, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1020 SHADY LN, BARTOW, FL 33830-3057 |
| Document Number | 0101730313 |
| Book / Page | 010173 / 000313 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1020 SHADY LN BARTOW FL 338303057, BARTOW, FL 33830-3057 |
| Document Number | 0101730313 |
|---|---|
| Date | Jun 12, 2017 |
| Book Page | 010173/000313 |
| Instrument | 111331 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | PO BOX 8008, LAKELAND, FL 33802-8008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 11, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1020 Shady Ln was $3,540 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Bartow City |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $244,007 (+2.7%) | $314,792 (+4.88%) Land $24,000 Building $290,792 | |
| 2025 | $3,540.00 Homeowner's exemption | $237,592 | $300,138 Land $24,000 Building $276,138 |
| 2023 | $3,655.00 (+14.08%) Homeowner's exemption | $223,200 (+3%) | $295,568 (+6%) Land $23,000 Building $272,568 |
| 2022 | $3,204.00 Homeowner's exemption | $216,699 | $278,846 Land $19,000 Building $259,846 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1020 Shady Ln in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 1020 Shady Ln is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF BARTOW serves 21,501 people · EPA ID FL6530315 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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 425 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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