1585 Harbor Way, Bartow, FL 33830 Property Records

Polk County property record for 1585 Harbor Way, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,045 sqft · built 1985
Lot Size	0.143 acres (6,242 sqft)
Owner	Individual Name on File
Last Sale	$228,000 (Jun 2023)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-30-13-293164-002090`

Property Details

APN / Parcel Number

Primary APN	`24-30-13-293164-002090`
Alternative APNs	`133024293164002090` `33024000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,045 sqft Living Area
Gross Area	1,368 sqft
1st Floor Area	1,045 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	6,242 sqft (0.143 acres)
Lot Dimensions	96 ft deep x 65 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	323 sqft
Porch	Unfinished Open Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1585 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 9
Legal Range	24E
Legal Township	30S
Legal Section	13
Legal Subdivision	LAKES THE I
Legal Tract	293164
Legal Block	B
Legal Lot Number	9
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2088
Census Tract	15900

Owner

1585 Harbor Way is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1585 HARBOR WAY, BARTOW, FL 33830-9775
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 7, 2023	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
May 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2023 · Amount on File
Deed Sale	Jun 7, 2023 · Amount on File
Prior Sale	Sep 1, 2016
Deed Document Number	2023133344
Deed Book / Page	12720 / 771
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 7, 2023
Property Address	1585 HARBOR WAY, BARTOW, FL 33830-9775
Document Number	0000133344
Book / Page	12720 / 771
Map Reference	MB 78 PG 13
Instrument Date	May 25, 2023
Instrument	2023133344
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	FLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1585 HARBOR WAY, BARTOW, FL 33830-9775

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1585 HARBOR WAY, BARTOW, FL 33830-9775

Mortgage

Document Number	0012720772
Date	Jun 7, 2023
Instrument	12720/772

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1585 HARBOR WAY, BARTOW, FL 33830-9775
Document Number	0108430306
Instrument Date	May 8, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1585 HARBOR WAY BARTOW FL 338309775, BARTOW, FL 33830-9775

Mortgage

Document Number	0108430306
Date	May 16, 2019
Book Page	010843/000306
Instrument	100415

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 15, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 1585 Harbor Way was $2,178 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		$162,705 (-0.08%) Land $17,500 Building $145,205	$162,705 (-0.08%) Land $17,500 Building $145,205
2025	$2,178.00	$162,840 Land $17,500 Building $145,340	$162,840 Land $17,500 Building $145,340
2023	$628.00 (+28.69%)	$43,040 (+3%)	$174,096 (+3.21%) Land $17,000 Building $157,096
2022	$488.00 Homeowner's exemption	$41,786	$168,682 Land $16,000 Building $152,682

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 1585 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 1585 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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