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1045 S Florida Ave, Bartow, FL 33830 Property Records

Polk County property record for 1045 S Florida Ave, Bartow, FL 33830

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,589 sqft · built 1952
Lot Size0.318 acres (13,852 sqft)
OwnerCompany Name on File
Last Sale$295,000 (Nov 2023)
Tax Bill$3,564 (2025)
Deeds & MortgagesNov 2023 Sale & Mortgage
Aug 2023 Sale
+ 5 more
Flood ZoneZone X (minimal risk)
APN25-30-08-408000-002440

Property Details

APN / Parcel Number

Primary APN25-30-08-408000-002440
Alternative APNs
  • 083025408000002440
  • 83025000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,589 sqft Living Area
Gross Area1,509 sqft
1st Floor Area1,266 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 2000
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area13,852 sqft (0.318 acres)
View / LotCommercial/Industrial
Garage TypeDetached
Garage Area500 sqft
PorchFlorida Room
Porch Area489 sqft
Lean-To200 sqft

Location & Zoning

Street Address1045 S FLORIDA AVE
CityBARTOW
StateFL
Zip33830-5654
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1A
Legal DescriptionBASSADENA PARK SUB PB 9 PG 11 BLK B LOTS 44 THRU 47
Legal Range25E
Legal Township30S
Legal Section08
Legal SubdivisionBASSEDENA PARK SUBDIVISION
Legal Tract408000
Legal BlockB
Legal Lot Number44-47
JurisdictionPOLK FL
Township / Civil DivisionBARTOW
Census Block Group2
Census Block2057
Census Tract15102

Owner

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 RecordCompany Name on File
Mailing Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2023Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Aug 1, 2023Warranty Deed, Transfer
Jul 27, 2023Warranty Deed, Transfer
SMART TITLE II LLC, SMART TITLE LLC
Jul 27, 2023Intrafamily Transfer, Transfer
SMART TITLE II LLC, SMART TITLE LLC
Dec 3, 2020Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LNS
Jul 31, 2018Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LNS
Mar 8, 2018Loan Modification, Mortgage · FHA Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 29, 2023 · Amount on File
Deed SaleNov 29, 2023 · Amount on File
Prior SaleJul 27, 2023 · Amount on File
Deed Document Number2023278871
Deed Book / Page12922 / 1371
Prior Transfer DateJul 10, 2023
Prior Transfer Doc0000175426
Record UpdatedOct 29, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 29, 2023
Property Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654
Document Number0000278871
Book / Page12922 / 1371
Map ReferenceMB 9 PG 11
Instrument DateNov 20, 2023
Instrument2023278871
Transaction TypeTransfer
Record UpdatedDec 13, 2023
Title CompanySMART TITLE II LLC, SMART TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,065.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4303 VINELAND RD # RDF18, RDF18, ORLANDO, FL 32811-7176

Transferred To (Grantee/Buyer)

NameVerified Name
Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654

Mortgage

Document Number0129221373
DateNov 29, 2023
Instrument12922/1373
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2053

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 1, 2023
Property Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654
Document Number0000178473
Book / Page12783 / 1812
Map ReferenceMB 9 PG 11
Instrument DateJul 27, 2023
Instrument2023178473
Transaction TypeTransfer
Record UpdatedAug 21, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6214 SUMMERTIMES PLANTATION DR, BARTOW, FL 33830-2931

Transferred To (Grantee/Buyer)

NameVerified Name
Address4303 VINELAND RD STE F18, F18, ORLANDO, FL 32811-7352

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 27, 2023
Property Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654
Document Number0000175427
Book / Page12779 / 1402
Map ReferenceMB 9 PG 11
Instrument DateJul 21, 2023
Instrument2023175427
Transaction TypeTransfer
Record UpdatedAug 14, 2023
Title CompanySMART TITLE II LLC, SMART TITLE LLC

Transaction

AmountAmount on Record
Tax$910.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4001 US HIGHWAY 19 N, PERRY, FL 32347-7084

Transferred To (Grantee/Buyer)

NameVerified Name
Address6214 SUMMERTIMES PLANTATION DR, BARTOW, FL 33830-2931

July 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateJul 27, 2023
Property Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654
Document Number0000175426
Book / Page12779 / 1400
Map ReferenceMB 9 PG 11
Instrument DateJul 10, 2023
Instrument2023175426
Transaction TypeTransfer
Record UpdatedAug 14, 2023
Title CompanySMART TITLE II LLC, SMART TITLE LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address133 CHAPEL ST, GREENEVILLE, TN 37743-5701

Transferred To (Grantee/Buyer)

NameVerified Name
Address4001 N HWY #19 # 19, 19, PERRY, FL 32347

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654
Document Number0114872252
Instrument DateDec 3, 2020
Transaction TypeMortgage
Record UpdatedDec 23, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1045 S FLORIDA AVE BARTOW FL 338305654, BARTOW, FL 33830-5654

Mortgage

Document Number0114872252
DateDec 9, 2020
Book Page011487/002252
Instrument265407
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term384 Months
DueDec 8, 2052

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654
Document Number0105731160
Instrument DateJul 31, 2018
Transaction TypeMortgage
Record UpdatedAug 22, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1045 S FLORIDA AVE BARTOW FL 338305654, BARTOW, FL 33830-5654

Mortgage

Document Number0105731160
DateAug 7, 2018
Book Page010573/001160
Instrument167729
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 6, 2048

March 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address1045 S FLORIDA AVE, BARTOW, FL 33830-5654
Document Number0104541437
Instrument DateMar 8, 2018
Transaction TypeMortgage
Record UpdatedApr 27, 2018
Title CompanyTITLE SOURCE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1045 S FLORIDA AVE BARTOW FL 338305654, BARTOW, FL 33830-5654

Mortgage

Document Number0104541437
DateApr 16, 2018
Book Page010454/001437
Instrument80126
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term300 Months
DueApr 15, 2043
Interest
Rate3.75%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
MunicipalityBartow City
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$242,340 (+1.43%) Land $26,852 Building $215,488$242,340 (+1.43%) Land $26,852 Building $215,488
2025$3,564.00 (-27.09%)$238,920 (+240.04%) Land $26,852 Building $212,068$238,920 (+15.07%) Land $26,852 Building $212,068
2024$4,888.00 (+441.91%)
2023$902.00 (+20.11%) Homeowner's exemption$70,262 (+3%)$207,629 (+18.77%) Land $25,659 Building $181,970
2022$751.00 Homeowner's exemption$68,216$174,819 Land $23,159 Building $151,660

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF BARTOW
serves 21,501 people · EPA ID FL6530315
Water SourceGroundwater
Last State InspectionNov 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 258 locations within half a mile, as of December 31, 2025

ProviderMax 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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