1540 Rosa Ct, Bartow, FL 33830 Property Records

Polk County property record for 1540 Rosa Ct, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,232 sqft · built 1989
Lot Size	0.36 acres (15,699 sqft)
Owner	2 Individual Names on File
Last Sale	$243,000 (Mar 2018)
Tax Bill	$2,823 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-32-363420-000210`

Property Details

APN / Parcel Number

Primary APN	`25-29-32-363420-000210`
Alternative APNs	`322925363420000210` `22925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,232 sqft Living Area
Gross Area	2,776 sqft
1st Floor Area	2,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	15,699 sqft (0.36 acres)
Lot Dimensions	137 ft deep x 115 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	544 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	617 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1540 ROSA CT
City	BARTOW
State	FL
Zip	33830-9792
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAGO PALMS SUB PB 84 PG 31 LOT 21
Legal Range	25E
Legal Township	29S
Legal Section	32
Legal Subdivision	SAGO PALMS SUBDIVISION
Legal Tract	363420
Legal Block	1
Legal Lot Number	21
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1001
Census Tract	15000

Owner

Source: Polk County assessment roll, as of June 23, 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 File
Mailing Address	1540 ROSA CT, BARTOW, FL 33830-9792
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Mar 16, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 16, 2018 · Amount on Record
Deed Sale	Mar 16, 2018 · Amount on Record
Prior Sale	Dec 27, 2016 · Amount on Record
Deed Document Number	201857727
Deed Book / Page	10425 / 1521
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1540 ROSA CT, BARTOW, FL 33830-9792
Document Number	0115170702
Instrument Date	Dec 12, 2020
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1540 ROSA CT BARTOW FL 338309792, BARTOW, FL 33830-9792

Mortgage

Document Number	0115170702
Date	Dec 30, 2020
Book Page	011517/000702
Instrument	283553

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1540 ROSA CT, BARTOW, FL 33830-9792
Document Number	0112301880
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1540 ROSA CT BARTOW FL 338309792, BARTOW, FL 33830-9792

Mortgage

Document Number	0112301880
Date	May 11, 2020
Book Page	011230/001880
Instrument	94793

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 16, 2018
Property Address	1540 ROSA CT, BARTOW, FL 33830-9792
Document Number	0104251521
Book / Page	010425 / 001521
Instrument Date	Mar 15, 2018
Instrument	57727
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,701.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4391 STONEY RIVER DR MULBERRY FL 33860, MULBERRY, FL 33860

Mortgage

Document Number	104251523
Date	Mar 16, 2018
Book Page	010425/001523
Instrument	57728

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,823.00 (-12.9%) Homeowner's exemption	$258,615 (+5.99%)	$369,449 (-0.47%) Land $60,000 Building $309,449
2023	$3,241.00 (+3.58%) Homeowner's exemption	$244,007 (+3%)	$371,198 (+12.07%) Land $48,000 Building $323,198
2022	$3,129.00 Homeowner's exemption	$236,900	$331,206 Land $40,000 Building $291,206

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

Flood

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

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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 172 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 USA Fixed Wireless	100 / 20

1540 Rosa Ct, Bartow, FL 33830 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Rosa Ct

Nearby Streets

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