Polk County property record for 1640 Harbor Way, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,884 sqft · built 1988 |
| Lot Size | 0.143 acres (6,242 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $518 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-30-13-293164-001120 |
| Primary APN | 24-30-13-293164-001120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,884 sqft Living Area |
| Gross Area | 1,424 sqft |
| 1st Floor Area | 1,424 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,242 sqft (0.143 acres) |
| Lot Dimensions | 96 ft deep x 65 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Unfinished Open Porch |
| Porch Area | 76 sqft |
| Shed | 1 Shed |
| Street Address | 1640 HARBOR WAY |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-8410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE LAKES I PB 78 PG 13 BLK A LOT 12 |
| Legal Range | 24E |
| Legal Township | 30S |
| Legal Section | 13 |
| Legal Subdivision | LAKES THE I |
| Legal Tract | 293164 |
| Legal Block | A |
| Legal Lot Number | 12 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2087 |
| Census Tract | 15900 |
1640 Harbor Way is owned and occupied by an individual.
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 | 1640 HARBOR WAY, BARTOW, FL 33830-8410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1640 HARBOR WAY, BARTOW, FL 33830-8410 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000322987 |
|---|---|
| Date | Dec 14, 2022 |
| Book Page | 12517/2298 |
| Instrument | 2022322987 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 15, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1640 Harbor Way was $518 with a homeowner's exemption.
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 | $63,544 (+2.7%) | $221,928 (-1.77%) Land $17,500 Building $204,428 | |
| 2025 | $518.00 Homeowner's exemption | $61,873 | $225,918 Land $17,500 Building $208,418 |
| 2023 | $837.00 (+21.66%) Homeowner's exemption | $58,378 (+3%) | $240,955 (+6.43%) Land $17,000 Building $223,955 |
| 2022 | $688.00 Homeowner's exemption | $56,678 | $226,387 Land $16,000 Building $210,387 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1640 Harbor Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| 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 risk around 1640 Harbor Way is high, ranking above 82% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 75 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures