Polk County property record for 1095 S Oak Ave, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,308 sqft · built 1925 |
| Lot Size | 0.411 acres (17,908 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Jul 2020) |
| Tax Bill | $3,771 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-08-421500-004050 |
| Primary APN | 25-30-08-421500-004050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,308 sqft Living Area |
| 1st Floor Area | 2,176 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 17,908 sqft (0.411 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 600 sqft |
| Carport | Carport |
| Carport Area | 600 sqft |
| Porch | Florida Room |
| Porch Area | 584 sqft |
| Shed | 1 Shed |
| Street Address | 1095 S OAK AVE |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-5754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | HARVEY LAND & IMP CO SUB PB 1 PG 31 BLK 4 LOTS 5 & 6 & E1/2 OF ALLEY W OF SAME |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 08 |
| Legal Subdivision | HARVEY LAND AND IMP CO SUBDIVISION |
| Legal Tract | 421500 |
| Legal Block | 4 |
| Legal Lot Number | 5,6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 15102 |
1095 S Oak Ave is owned and occupied by two individuals who bought it in July 2020.
Source: Polk County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1095 S OAK AVE, BARTOW, FL 33830-5754 |
| 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 |
|---|---|
| Feb 23, 2022 | Deed of Trust, Mortgage · Line of Credit FLORIDA CU |
| Jul 27, 2020 | Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG |
| Jun 18, 2019 | Warranty Deed, Transfer UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2020 · Amount on File |
| Deed Sale | Jul 27, 2020 · Amount on File |
| Prior Sale | Jun 18, 2019 · Amount on File |
| Deed Document Number | 2020149909 |
| Deed Book / Page | 11311 / 2170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1095 S OAK AVE, BARTOW, FL 33830-5754 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000049066 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 12129/1366 |
| Instrument | 2022049066 |
| Name | FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | GAINESVILLE, FL 32627 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 27, 2020 |
| Property Address | 1095 S OAK AVE, BARTOW, FL 33830-5754 |
| Document Number | 0113112170 |
| Book / Page | 011311 / 002170 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 149909 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2020 |
| Title Company | SMART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1095 S OAK AVE BARTOW FL 338305754, BARTOW, FL 33830-5754 |
| Document Number | 113112172 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 011311/002172 |
| Instrument | 149910 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 18, 2019 |
| Property Address | 1095 S OAK AVE, BARTOW, FL 33830-5754 |
| Document Number | 0108780396 |
| Book / Page | 010878 / 000396 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 125884 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2019 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $245.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6214 SUMMERTIMES PLANTATION DR BARTOW FL 338302931, BARTOW, FL 33830-2931 |
The 2025 property tax bill for 1095 S Oak Ave was $3,771 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 | $257,072 (+2.7%) | $367,223 (-13%) Land $30,908 Building $336,315 | |
| 2025 | $3,771.00 Homeowner's exemption | $250,314 | $422,098 Land $30,908 Building $391,190 |
| 2023 | $3,952.00 (+14.32%) Homeowner's exemption | $236,174 (+3%) | $416,996 (+19.97%) Land $29,513 Building $387,483 |
| 2022 | $3,457.00 Homeowner's exemption | $229,295 | $347,587 Land $27,013 Building $320,574 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1095 S Oak Ave 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 1095 S Oak Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
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 258 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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