1645 Varner Ct, Bartow, FL 33830 Property Records

Polk County property record for 1645 Varner Ct, Bartow, FL 33830 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,637 sqft · built 2022
Lot Size	0.231 acres (10,075 sqft)
Owner	2 Individual Names on File
Last Sale	$360,094 (Aug 2022)
Tax Bill	$4,100 (2025)
Deeds & Mortgages	Nov 2021 Construction Loan Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-36-292200-002210`

Property Details

APN / Parcel Number

Primary APN	`24-29-36-292200-002210`
Alternative APNs	`362924292200002210` `62924000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,637 sqft Living Area
Gross Area	2,017 sqft
1st Floor Area	1,637 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,075 sqft (0.231 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	380 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	1645 VARNER CT
City	BARTOW
State	FL
Zip	33830-9361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND LAKES ESTATES PB 61 PG 7 BLK 2 LOT 21
Legal Range	24E
Legal Township	29S
Legal Section	36
Legal Subdivision	HIGHLAND LAKE ESTATES-FLA. VILLAGE
Legal Tract	292200
Legal Block	2
Legal Lot Number	21
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1048
Census Tract	14803

Owner

Source: Polk County records · APN 24-29-36-292200-002210

Assessment roll updated June 23, 2026 · Last verified July 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	6705 BROKEN ARROW TRL S, LAKELAND, FL 33813-4846
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Construction Mortgage SHEPHERDS FINANCE LLC
Jul 11, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Aug 10, 2022	Re-recorded Document INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC
Sep 28, 2021	Warranty Deed, Transfer ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Jul 11, 2022 · Amount on Record
Deed Document Number	2022217141
Deed Book / Page	12373 / 2134
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1645 VARNER CT, BARTOW, FL 33830-9361
Transaction Type	Mortgage
Record Updated	Feb 05, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6705 BROKEN ARROW TRL S, LAKELAND, FL 33813-4846

Mortgage

Document Number	0000305907
Date	Nov 22, 2021
Book Page	11995/1411
Instrument	2021305907

Lender

Name	SHEPHERDS FINANCE LLC
Type	Non-Lending Institution
Address	JACKSONVILLE, FL 32258

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 11, 2022
Property Address	1645 VARNER CT, BARTOW, FL 33830-9361
Document Number	0000188419
Book / Page	12333 / 523
Map Reference	MB 61 PG 7
Instrument Date	Jul 08, 2022
Instrument	2022188419
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 05, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6705 BROKEN ARROW TRL S, LAKELAND, FL 33813-4846

Mortgage

Document Number	0012333524
Date	Jul 11, 2022
Instrument	12333/524

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

August 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	POLK FL
Recording Date	Aug 10, 2022
Property Address	1645 VARNER CT, BARTOW, FL 33830-9361
Document Number	0000217141
Book / Page	12373 / 2134
Map Reference	MB 61 PG 7
Instrument Date	Jul 08, 2022
Instrument	2022217141
Record Updated	Feb 05, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1645 VARNER CT, BARTOW, FL 33830-9361

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 28, 2021
Property Address	1645 VARNER CT, BARTOW, FL 33830-9361
Document Number	0000253640
Book / Page	11914 / 437
Map Reference	MB 61 PG 7
Instrument Date	Sep 17, 2021
Instrument	2021253640
Transaction Type	Transfer
Record Updated	Feb 05, 2024
Title Company	ADVANCE TITLE, ADVANTAGE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1675 BOSARGE DR, BARTOW, FL 33830-8944

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6705 BROKEN ARROW TRL S, LAKELAND, FL 33813-4846

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,100.00 (-7.97%) Homeowner's exemption	$268,357 (+0.64%) Land $42,000 Building $226,357	$268,357 (+0.64%) Land $42,000 Building $226,357
2023	$4,455.00 (+662.84%) Homeowner's exemption	$266,647 (+708.02%) Land $40,000 Building $226,647	$266,647 (+708.02%) Land $40,000 Building $226,647
2022	$584.00	$33,000 Land $33,000	$33,000 Land $33,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050148031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force

Wildfire

Wildfire Risk	High above 87% of the US · above 80% of Florida
Wildfire Likelihood	About 1 in 99 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 58 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Xfinity	Cable	1,200 / 35

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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