1090 E Gay St, Bartow, FL 33830 Property Records

Polk County property record for 1090 E Gay St, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,212 sqft · built 1920
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Mar 2023)
Tax Bill	$2,995 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage May 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-30-05-381500-000782`

Property Details

APN / Parcel Number

Primary APN	`25-30-05-381500-000782`
Alternative APNs	`053025381500000782` `53025000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	1,212 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2015
Exterior Material	Shingles
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Other
Lot Area	7,200 sqft (0.165 acres)
View / Lot	Commercial/Industrial
Porch	Unfinished Open Porch
Porch Area	308 sqft

Location & Zoning

Street Address	1090 E GAY ST
City	BARTOW
State	FL
Zip	33830-5051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	THE OAKS ADD PB 1 PG 92 LOTS 78 E1/2 & ALL LOT 79
Legal Range	25E
Legal Township	30S
Legal Section	05
Legal Subdivision	OAKS ADDITION THE
Legal Tract	381500
Legal Block	1
Legal Lot Number	78,79
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1023
Census Tract	15200

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	1090 E GAY ST, BARTOW, FL 33830-5051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2022	Warranty Deed, Transfer MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO
Mar 24, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE
Mar 17, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2023 · Amount on Record
Deed Sale	Mar 16, 2023 · Amount on Record
Prior Sale	May 23, 2022 · Amount on Record
Deed Document Number	202362272
Deed Book / Page	12619 / 279
Prior Transfer Date	Nov 17, 2009
Prior Transfer Doc	0000212364
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 16, 2023
Property Address	1090 E GAY ST, BARTOW, FL 33830-5051
Document Number	0000062272
Book / Page	12619 / 279
Map Reference	MB 1 PG 92
Instrument Date	Mar 7, 2023
Instrument	2023062272
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	172 E SUFFOLK AVE, CENTRAL ISLIP, NY 11722-2535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1090 E GAY ST, BARTOW, FL 33830-5051

Mortgage

Document Number	0012619284
Date	Mar 16, 2023
Instrument	12619/284

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 23, 2022
Property Address	1090 E GAY ST, BARTOW, FL 33830-5051
Document Number	0000140803
Book / Page	12265 / 517
Map Reference	MB 1 PG 92
Instrument Date	May 20, 2022
Instrument	2022140803
Transaction Type	Transfer
Record Updated	Jun 2, 2022
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Tax	$952.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37 N ORANGE AVE, 37, ORLANDO, FL 32801-2449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 E SUFFOLK AVE, CENTRAL ISLIP, NY 11722-2535

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 24, 2022
Property Address	1090 E GAY ST, BARTOW, FL 33830-5051
Document Number	0000080077
Book / Page	12176 / 1918
Map Reference	MB 1 PG 92
Instrument Date	Mar 17, 2022
Instrument	2022080077
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9161 NARCOOSSEE RD STE 107, 9161, ORLANDO, FL 32827-5764

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 17, 2022
Property Address	1090 E GAY ST, BARTOW, FL 33830-5051
Document Number	0000072829
Book / Page	12166 / 927
Map Reference	MB 1 PG 92
Instrument Date	Mar 14, 2022
Instrument	2022072829
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1060 E GAY ST, 1060, BARTOW, FL 33830-5051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9161 NARCOOSSEE RD STE 107, 107, ORLANDO, FL 32827-5764

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Bartow City
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		$138,526 (-15.76%) Land $28,800 Building $109,726	$138,526 (-15.76%) Land $28,800 Building $109,726
2025	$2,995.00 (+32.64%)	$164,434 (+54.24%) Land $18,100 Building $146,334	$164,434 (+54.24%) Land $18,100 Building $146,334
2023	$2,258.00 (+180.15%)	$106,610 (+119.76%) Land $7,240 Building $99,370	$106,610 (+119.76%) Land $7,240 Building $99,370
2022	$806.00	$48,511 Land $5,970 Building $42,541	$48,511 Land $5,970 Building $42,541

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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