Polk County property record for 1096 W Clower St, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,231 sqft · built 1996 |
| Lot Size | 0.221 acres (9,635 sqft) |
| Owner | Company Name on Record |
| Last Sale | $100 (Oct 2016) |
| Tax Bill | $3,033 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Feb 2018 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-07-397500-001941 |
| Primary APN | 25-30-07-397500-001941 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,231 sqft Living Area |
| Gross Area | 1,483 sqft |
| 1st Floor Area | 1,231 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,635 sqft (0.221 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 30 sqft |
| Cooling System | Central |
|---|
| Street Address | 1096 W CLOWER ST |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-6803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAWNDALE SUB PB 6 PG 39 LOT 194 E 7.5 FT & ALL LOTS 195 196 197 & 198 LESS BEG AT NE COR LOT 198 RUN S 135 FT TO SE COR LOT 198 RUN N 43 DEG 22 MIN 00 SEC W 120.17 FT TO PT 7.5 FT E OF W BDRY OF LOT 196 RUN N 47.64 FT TO N BDRY LOT 196 RUN E ALONG N |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 07 |
| Legal Subdivision | LAWNDALE SUBDIVISION |
| Legal Tract | 397500 |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 15101 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 6836 CARNEGIE BLVD, 320, CHARLOTTE, NC 28211-4399 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Commercial Mortgage ROYAL BANK OF CANADA |
| Feb 2, 2018 | Loan Modification, Mortgage · Line of Credit GOLDMAN SACHS BK USA |
| May 12, 2017 | Loan Modification, Mortgage · Line of Credit GOLDMAN SACHS BK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2016 · Amount on Record |
| Deed Sale | Oct 1, 2016 · Amount on Record |
| Prior Sale | Feb 18, 2016 · Amount on Record |
| Deed Book / Page | 9982 / 2216 |
| Prior Transfer Date | Mar 26, 2003 |
| Prior Transfer Doc | 5311001492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1096 W CLOWER ST, BARTOW, FL 33830-6803 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Title Company | WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000321715 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 12516/990 |
| Instrument | 2022321715 |
| Name | ROYAL BANK OF CANADA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10281 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 2, 2018 |
| Property Address | 1096 W CLOWER ST, BARTOW, FL 33830-6803 |
| Document Number | 0103851303 |
| Book / Page | 010385 / 001303 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 24956 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6836 MORRISON BLVD #320 NC, 320, NC |
| Investor | Possibly a Property Investor |
| Document Number | 103851303 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 010385/001303 |
| Instrument | 24956 |
| Name | GOLDMAN SACHS BK USA |
|---|---|
| Type | Bank |
| Address | 200 WEST ST, NEW YORK, NY 10282-2102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 12, 2017 |
| Property Address | 1096 W CLOWER ST, BARTOW, FL 33830-6803 |
| Document Number | 0101451018 |
| Book / Page | 010145 / 001018 |
| Instrument Date | May 9, 2017 |
| Instrument | 91143 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6836 MORRISON BLVD #320 CHARLOTTE NC 282114399, 320, CHARLOTTE, NC 28211-4399 |
| Document Number | 101451018 |
|---|---|
| Date | May 12, 2017 |
| Book Page | 010145/001018 |
| Instrument | 91143 |
| Name | GOLDMAN SACHS BK USA |
|---|---|
| Type | Bank |
| Address | 200 WEST ST, NEW YORK, NY 10282-2102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 11, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 27.2% |
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 | $169,318 (+1%) | $194,280 (-1.57%) Land $24,087 Building $170,193 | |
| 2025 | $3,033.00 (-7.36%) | $153,925 (-23.81%) | $197,377 (-2.31%) Land $24,087 Building $173,290 |
| 2024 | $3,274.00 (+7.63%) | ||
| 2023 | $3,042.00 (+24.26%) | $202,041 (+22.03%) Land $23,124 Building $178,917 | $202,041 (+22.03%) Land $23,124 Building $178,917 |
| 2022 | $2,448.00 | $165,564 Land $19,270 Building $146,294 | $165,564 Land $19,270 Building $146,294 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% 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 379 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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