1645 Laurel Oaks Dr, Bartow, FL 33830 Property Records

Polk County property record for 1645 Laurel Oaks Dr, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,792 sqft · built 2019
Lot Size	0.176 acres (7,658 sqft)
Owner	2 Individual Names on File
Last Sale	$197,995 (May 2019)
Tax Bill	$2,775 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-36-292208-000340`

Property Details

APN / Parcel Number

Primary APN	`24-29-36-292208-000340`
Alternative APNs	`362924292208000340` `62924000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Living Area
Gross Area	2,212 sqft
1st Floor Area	1,792 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,658 sqft (0.176 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	32 sqft

Location & Zoning

Street Address	1645 LAUREL OAKS DR
City	BARTOW
State	FL
Zip	33830-7709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LYLE OAKS PB 163 PG 29-30 LOT 34
Legal Range	24E
Legal Township	29S
Legal Section	36
Legal Subdivision	LYLE OAKS
Legal Block	1
Legal Lot Number	34
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1041
Census Tract	14803

Owner

1645 Laurel Oaks Dr is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1645 LAUREL OAKS DR, BARTOW, FL 33830-7709
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
Mar 1, 2022	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 26, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
May 21, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage DHI MTG
Aug 22, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2019 · Amount on File
Deed Sale	May 21, 2019 · Amount on File
Prior Sale	Nov 1, 2016
Deed Document Number	2019103630
Deed Book / Page	10847 / 942
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1645 LAUREL OAKS DR, BARTOW, FL 33830-7709
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 LAUREL OAKS DR, BARTOW, FL 33830-7709

Mortgage

Document Number	0000055401
Date	Mar 1, 2022
Book Page	12139/1216
Instrument	2022055401

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1645 LAUREL OAKS DR, BARTOW, FL 33830-7709
Document Number	0114360930
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 LAUREL OAKS DR BARTOW FL 338307709, BARTOW, FL 33830-7709

Mortgage

Document Number	0114360930
Date	Oct 30, 2020
Book Page	011436/000930
Instrument	231537

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2050

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 21, 2019
Property Address	1645 LAUREL OAKS DR, BARTOW, FL 33830-7709
Document Number	0108470942
Book / Page	010847 / 000942
Instrument Date	May 17, 2019
Instrument	103630
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 4, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,385.96
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 LAUREL OAKS DR BARTOW FL 338307709, BARTOW, FL 33830-7709

Mortgage

Document Number	108470943
Date	May 21, 2019
Book Page	010847/000943
Instrument	103631

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 20, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 22, 2018
Property Address	1645 LAUREL OAKS DR, BARTOW, FL 33830-7709
Document Number	0105890840
Book / Page	010589 / 000840
Instrument Date	Aug 21, 2018
Instrument	179249
Transaction Type	Transfer
Record Updated	Sep 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,080.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

The 2025 property tax bill for 1645 Laurel Oaks Dr was $2,775 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		$200,904 (+2.7%)	$260,999 (-7.27%) Land $70,000 Building $190,999
2025	$2,775.00 Homeowner's exemption	$195,622	$281,452 Land $70,000 Building $211,452
2023	$2,931.00 (+14.85%) Homeowner's exemption	$184,572 (+3%)	$283,333 (+9.52%) Land $48,000 Building $235,333
2022	$2,552.00 Homeowner's exemption	$179,196	$258,711 Land $40,000 Building $218,711

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

Flood

FEMA maps place 1645 Laurel Oaks Dr 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
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 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 1645 Laurel Oaks Dr is high, ranking above 79% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	0.7% 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.

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 200 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

May also be available: Spectrum.

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