1095 Bearcreek Dr, Bartow, FL 33830 Property Records

Polk County property record for 1095 Bearcreek Dr, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 1975
Lot Size	0.319 acres (13,891 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Mar 2022)
Tax Bill	$4,075 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-30-06-394050-003120`

Property Details

APN / Parcel Number

Primary APN	`25-30-06-394050-003120`
Alternative APNs	`063025394050003120` `63025000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,824 sqft Living Area
Gross Area	2,307 sqft
1st Floor Area	1,824 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	13,891 sqft (0.319 acres)
Lot Dimensions	120 ft deep x 116 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft
Porch	Screened/Unfinished Porch
Porch Area	464 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1095 BEARCREEK DR
City	BARTOW
State	FL
Zip	33830-3006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	RICHLAND MANOR UNIT #8 PB 55 PG 26 BLK U LOT 12
Legal Range	25E
Legal Township	30S
Legal Section	06
Legal Subdivision	RICHLAND MANOR UNIT NO 8
Legal Tract	394050
Legal Block	U
Legal Lot Number	12
Legal Unit	8
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3018
Census Tract	15000

Owner

1095 Bearcreek Dr is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	102 HAWKEYE VW, KATHLEEN, GA 31047-2964
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
Last Sale	Mar 16, 2022 · Amount on File
Deed Sale	Mar 16, 2022 · Amount on File
Prior Sale	Aug 9, 1993 · Amount on File
Deed Document Number	202271793
Deed Book / Page	12164 / 2211
Prior Transfer Date	Jul 29, 2015
Prior Transfer Doc	0000142328
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 16, 2022
Property Address	1095 BEARCREEK DR, BARTOW, FL 33830-3006
Document Number	0000071793
Book / Page	12164 / 2211
Map Reference	MB 55 PG 26
Instrument Date	Mar 11, 2022
Instrument	2022071793
Transaction Type	Transfer
Record Updated	Mar 29, 2022
Title Company	MIDFLORIDA TITLE PROFESSIONALS, MIDFLORIDA TTL PROFESSIONALS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1095 BEARCREEK DR, 1095, BARTOW, FL 33830-3006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 FLICKER CIR, SATELLITE BEACH, FL 32937-2877

Mortgage

Document Number	0121642213
Date	Mar 16, 2022
Instrument	12164/2213

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Bearcreek Dr was $4,075 with a homeowner's exemption.

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		$274,180 (+2.7%)	$294,839 (-1.42%) Land $24,000 Building $270,839
2025	$4,075.00 Homeowner's exemption	$266,972	$299,087 Land $24,000 Building $275,087
2023	$5,808.00 (+749.12%)	$297,500 (+416.65%) Land $23,000 Building $274,500	$297,500 (+9.43%) Land $23,000 Building $274,500
2022	$684.00	$57,583	$271,875 Land $19,000 Building $252,875

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

FEMA maps place 1095 Bearcreek Dr 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	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

Wildfire risk around 1095 Bearcreek Dr 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.

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 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