1855 N Mill Ave, Bartow, FL 33830 Property Records

Polk County property record for 1855 N Mill Ave, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,314 sqft · built 1952
Lot Size	0.219 acres (9,548 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Jun 2019)
Tax Bill	$502 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-31-362490-002060`

Property Details

APN / Parcel Number

Primary APN	`25-29-31-362490-002060`
Alternative APNs	`312925362490002060` `12925000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	1,314 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Other
Lot Area	9,548 sqft (0.219 acres)
Lot Dimensions	128 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	192 sqft

Location & Zoning

Street Address	1855 N MILL AVE
City	BARTOW
State	FL
Zip	33830-9267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	DUKE WHITMAN SUB PB 34 PG 7 BLK B LOT 6
Legal Range	25E
Legal Township	29S
Legal Section	31
Legal Subdivision	DUKE WHITMAN SUBDIVISION
Legal Tract	362490
Legal Block	B
Legal Lot Number	6
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1057
Census Tract	14803

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1855 N MILL AVE, BARTOW, FL 33830-9267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 24, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2019 · Amount on Record
Deed Sale	Jun 4, 2019 · Amount on Record
Prior Sale	Jun 2, 2015 · Amount on Record
Deed Document Number	2019115574
Deed Book / Page	10864 / 432
Prior Transfer Date	Jan 3, 2014
Prior Transfer Doc	0091500622
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1855 N MILL AVE, BARTOW, FL 33830-9267
Transaction Type	Mortgage
Record Updated	Oct 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 N MILL AVE, BARTOW, FL 33830-9267

Mortgage

Document Number	0000233319
Date	Oct 4, 2023
Book Page	12859/1273
Instrument	2023233319

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	48431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1855 N MILL AVE, BARTOW, FL 33830-9267
Transaction Type	Mortgage
Record Updated	Feb 23, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 N MILL AVE, BARTOW, FL 33830-9267

Mortgage

Document Number	0000027501
Date	Feb 6, 2023
Book Page	12572/1844
Instrument	2023027501

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2043

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1855 N MILL AVE, BARTOW, FL 33830-9267
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 N MILL AVE, BARTOW, FL 33830-9267

Mortgage

Document Number	0000020492
Date	Jan 24, 2022
Book Page	12086/851
Instrument	2022020492

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Mar 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 4, 2019
Property Address	1855 N MILL AVE, BARTOW, FL 33830-9267
Document Number	0108640432
Book / Page	010864 / 000432
Instrument Date	May 31, 2019
Instrument	115574
Transaction Type	Transfer
Record Updated	Apr 14, 2021
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 N MILL AVE BARTOW FL 338309267, BARTOW, FL 33830-9267

Mortgage

Document Number	108640447
Date	Jun 4, 2019
Book Page	010864/000447
Instrument	115576

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	1290 GOLFVIEW AVE # 167, BARTOW, FL 33830-6703

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jun 3, 2026

Mortgage

Document Number	108640433,
Date	Jun 4, 2019
Book Page	010864/000433
Instrument	115575

Lender

Name	STEARNS LNDG LLC
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2049

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
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		$86,331 (+2.7%)	$152,682 (+4.98%) Land $16,000 Building $136,682
2025	$502.00 (-54.86%) Homeowner's exemption Widower's exemption	$84,061 (+5.99%)	$145,442 (+9.87%) Land $16,000 Building $129,442
2024	$1,112.00 (+17.92%)
2023	$943.00 (-0.53%) Homeowner's exemption	$79,313 (+3%)	$132,376 (+3.08%) Land $15,500 Building $116,876
2022	$948.00 Homeowner's exemption	$77,003	$128,423 Land $9,848 Building $118,575

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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 290 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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