1555 Harbor Way, Bartow, FL 33830 Property Records

Polk County property record for 1555 Harbor Way, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,109 sqft · built 1984
Lot Size	0.139 acres (6,050 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Aug 2026)
Tax Bill	$2,233 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-30-13-293164-002120`

Property Details

APN / Parcel Number

Primary APN	`24-30-13-293164-002120`
Alternative APNs	`133024293164002120` `33024000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,109 sqft Living Area
Gross Area	1,549 sqft
1st Floor Area	1,109 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	6,050 sqft (0.139 acres)
Lot Dimensions	96 ft deep x 63 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Screened/Unfinished Porch
Porch Area	52 sqft
Shed	1 Shed

Location & Zoning

Street Address	1555 HARBOR WAY
City	BARTOW
State	FL
Zip	33830-9775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE LAKES I PB 78 PG 13 BLK B LOT 12
Legal Range	24E
Legal Township	30S
Legal Section	13
Legal Subdivision	LAKES THE I
Legal Tract	293164
Legal Block	B
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2088
Census Tract	15900

Owner

1555 Harbor Way is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1555 HARBOR WAY, BARTOW, FL 33830-9775
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Aug 19, 2022	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Mar 9, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
Sep 30, 2017	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Aug 19, 2022
Deed Document Number	2026184813
Deed Book / Page	14099 / 471
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 3, 2026
Property Address	1555 HARBOR WAY, BARTOW, FL 33830-9775
Document Number	0000184813
Book / Page	14099 / 471
Instrument Date	Jul 24, 2026
Instrument	2026184813
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	SETTLEMENT SERVICES, EVERGREEN SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1555 HARBOR WAY, BARTOW, FL 33830-9775

Mortgage

Document Number	0000184814,
Date	Aug 3, 2026
Instrument	2026184814

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 19, 2022
Property Address	1555 HARBOR WAY, BARTOW, FL 33830-9775
Document Number	0000227222
Book / Page	12387 / 1052
Map Reference	MB 78 PG 13
Instrument Date	Aug 19, 2022
Instrument	2022227222
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1555 HARBOR WAY, 1555, BARTOW, FL 33830-9775

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 LAKEVIEW DR, MULBERRY, FL 33860-9393

Mortgage

Document Number	0123871053
Date	Aug 19, 2022
Instrument	12387/1053

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1555 HARBOR WAY, BARTOW, FL 33830-9775
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060344
Date	Mar 9, 2021
Book Page	11614/2071
Instrument	2021060344

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2031

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1555 HARBOR WAY, BARTOW, FL 33830-9775
Document Number	0102841463
Book / Page	010284 / 001463
Instrument Date	Sep 30, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1555 HARBOR WAY BARTOW FL 338309775, BARTOW, FL 33830-9775

Mortgage

Document Number	0102841463
Date	Oct 12, 2017
Book Page	010284/001463
Instrument	195262

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 11, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1555 Harbor Way was $2,233.

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		$172,850 (-1.72%) Land $17,500 Building $155,350	$172,850 (-1.72%) Land $17,500 Building $155,350
2025	$2,233.00	$175,872 Land $17,500 Building $158,372	$175,872 Land $17,500 Building $158,372
2023	$2,486.00 (+347.12%) Homeowner's exemption	$189,831 (+314.72%) Land $17,000 Building $172,831	$189,831 (+4.37%) Land $17,000 Building $172,831
2022	$556.00 Homeowner's exemption	$45,773	$181,887 Land $16,000 Building $165,887

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1555 Harbor Way 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 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 1555 Harbor Way is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, T-Mobile.

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