Polk County property record for 1130 Shady Ln, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,259 sqft · built 1977 |
| Lot Size | 0.286 acres (12,471 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $212,000 (Nov 2020) |
| Tax Bill | $3,489 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-06-394060-026030 |
| Primary APN | 25-30-06-394060-026030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,259 sqft Living Area |
| Gross Area | 2,799 sqft |
| 1st Floor Area | 1,524 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,471 sqft (0.286 acres) |
| Lot Dimensions | 120 ft deep x 109 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 863 sqft |
| Patio Area | 182 sqft |
| Cooling System | Central |
|---|
| Street Address | 1130 SHADY LN |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-3059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | RICHLAND MANOR UNIT NO 9 PB 61 PG 8 BLOCK Z LOT 3 |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 06 |
| Legal Subdivision | RICHLAND MANOR UNIT NO 9 |
| Legal Tract | 394060 |
| Legal Block | Z |
| Legal Lot Number | 3 |
| Legal Unit | 9 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 4 |
| Census Block | 4044 |
| Census Tract | 14804 |
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 | 1130 SHADY LN, BARTOW, FL 33830-3059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 2, 2020 | Warranty Deed, Transfer · FHA Mortgage FBC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2020 · Amount on Record |
| Deed Sale | Nov 2, 2020 · Amount on Record |
| Deed Document Number | 2020233814 |
| Deed Book / Page | 11439 / 2028 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1130 SHADY LN, BARTOW, FL 33830-3059 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1130 SHADY LN, BARTOW, FL 33830-3059 |
| Document Number | 0000074972 |
|---|---|
| Date | Mar 31, 2023 |
| Book Page | 12636/1081 |
| Instrument | 2023074972 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 2, 2020 |
| Property Address | 1130 SHADY LN, BARTOW, FL 33830-3059 |
| Document Number | 0114392028 |
| Book / Page | 011439 / 002028 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 233814 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2020 |
| Title Company | LAKELAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,484.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1130 SHADY LN BARTOW FL 338303059, BARTOW, FL 33830-3059 |
| Document Number | 114392030 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 011439/002030 |
| Instrument | 233815 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
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 | $239,678 (+2.34%) | $270,393 (+0.4%) Land $24,000 Building $246,393 | |
| 2025 | $3,489.00 (-7.97%) Homeowner's exemption | $234,205 (-0.88%) | $269,304 (-2.01%) Land $24,000 Building $245,304 |
| 2024 | $3,791.00 (+8.13%) Homeowner's exemption | $236,282 (+3.87%) | $274,829 (+4.5%) Land $24,000 Building $250,829 |
| 2023 | $3,506.00 (+20.23%) Homeowner's exemption | $227,486 (+9.57%) | $262,997 (+14.93%) Land $23,000 Building $239,997 |
| 2022 | $2,916.00 Homeowner's exemption | $207,609 | $228,835 Land $19,000 Building $209,835 |
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 38 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 | High above 81% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 99 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 |
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