1320 Carmen Ave, Bartow, FL 33830 Property Records

Polk County property record for 1320 Carmen Ave, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,036 sqft · built 1962
Lot Size	0.24 acres (10,463 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Dec 2002)
Tax Bill	$572 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-30-08-407500-001050`

Property Details

APN / Parcel Number

Primary APN	`25-30-08-407500-001050`
Alternative APNs	`083025407500001050` `83025000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,036 sqft Living Area
1st Floor Area	1,036 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	10,463 sqft (0.24 acres)
Lot Dimensions	138 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	194 sqft
Carport	Carport
Carport Area	194 sqft
Porch	Unfinished Open Porch
Porch Area	68 sqft
Utility Building	112 sqft

Location & Zoning

Street Address	1320 CARMEN AVE
City	BARTOW
State	FL
Zip	33830-5903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSON & JOHNSTONS SUB PB 12 PG 28 BLK 1 LOT 5 & N1/2 OF LOT 6
Legal Range	25E
Legal Township	30S
Legal Section	08
Legal Subdivision	JOHNSON AND JOHNSTONS SUBDIVISION
Legal Tract	407500
Legal Block	1
Legal Lot Number	5,6
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3040
Census Tract	15200

Owner

1320 Carmen Ave is owned and occupied by an individual who bought it in December 2002.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1320 CARMEN AVE, BARTOW, FL 33830-5903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Aug 2, 2019	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2002 · Amount on File
Deed Sale	Dec 30, 2002 · Amount on File
Deed Book / Page	5212 / 1683
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1320 CARMEN AVE, BARTOW, FL 33830-5903
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 CARMEN AVE, BARTOW, FL 33830-5903

Mortgage

Document Number	0000043181
Date	Feb 23, 2024
Book Page	13017/342
Instrument	2024043181

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 22, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1320 CARMEN AVE, BARTOW, FL 33830-5903
Document Number	0109391082
Instrument Date	Aug 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1320 CARMEN AVE BARTOW FL 338305903, BARTOW, FL 33830-5903

Mortgage

Document Number	0109391082
Date	Aug 13, 2019
Book Page	010939/001082
Instrument	170490

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 12, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1320 Carmen Ave was $572 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		$74,119 (+2.7%)	$135,496 (-0.67%) Land $26,158 Building $109,338
2025	$572.00 Homeowner's exemption	$72,170	$136,405 Land $25,111 Building $111,294
2023	$853.00 (+18.97%) Homeowner's exemption	$68,093 (+3%)	$139,776 (+24.66%) Land $24,065 Building $115,711
2022	$717.00 Homeowner's exemption	$66,110	$112,123 Land $11,310 Building $100,813

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1320 Carmen 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	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 1320 Carmen Ave is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% 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 287 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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