190 S Oak Ave, Bartow, FL 33830 Property Records

Polk County property record for 190 S Oak Ave, Bartow, FL 33830

Property Summary

Property Type	Commercial Office
Details	2,490 sqft · built 1955
Lot Size	0.351 acres (15,268 sqft)
Owner	Company Name on Record
Last Sale	$330,000 (Oct 2023)
Tax Bill	$5,310 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Oct 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-30-05-378000-002410`

Property Details

APN / Parcel Number

Primary APN	`25-30-05-378000-002410`
Alternative APNs	`053025378000002410` `53025000`

Interior

Units	2 Units
Stories	1 Story
Building Area	2,490 sqft Gross Area
1st Floor Area	2,490 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1998
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,268 sqft (0.351 acres)
Lot Dimensions	100 ft deep x 75 ft wide
View / Lot	Commercial

Location & Zoning

Street Address	190 S OAK AVE
City	BARTOW
State	FL
Zip	33830-4834
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	R3
Legal Description	BLOUNT & WHITLEDGE SUB DB I PG 163 BLK 2 LOTS 41 N1/2 & 42 & 43 & 44 LESS N 23 FT
Legal Range	25E
Legal Township	30S
Legal Section	05
Legal Subdivision	BLOUNT AND WHITLEDGE SUBDIVISION
Legal Tract	378000
Legal Block	2
Legal Lot Number	41
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1010
Census Tract	15200

Owner

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	Company Name on Record
Mailing Address	7080 LAKE EAGLEBROOKE WAY, LAKELAND, FL 33813-5637
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2024	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Oct 17, 2023	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 16, 2019	Warranty Deed, Transfer · Line of Credit SEACOAST NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Oct 16, 2019 · Amount on Record
Deed Document Number	2023245276
Deed Book / Page	12876 / 1047
Prior Transfer Date	Oct 11, 2019
Prior Transfer Doc	0000219766
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	190 S OAK AVE, BARTOW, FL 33830
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 DORIS DR, LAKELAND, FL 33813-1006

Mortgage

Document Number	0000038875
Date	Feb 19, 2024
Book Page	13011/940
Instrument	2024038875

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 17, 2023
Property Address	190 S OAK AVE, BARTOW, FL 33830
Document Number	0000245276
Book / Page	12876 / 1047
Map Reference	MB 1 PG 163
Instrument Date	Oct 13, 2023
Instrument	2023245276
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 S OAK AVE, BARTOW, FL 33830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7080 LAKE EAGLEBROOKE WAY, LAKELAND, FL 33813-5637

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 16, 2019
Property Address	190 S OAK AVE, BARTOW, FL 33830
Document Number	0110081414
Book / Page	011008 / 001414
Instrument Date	Oct 11, 2019
Instrument	219766
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	170 S OAK AVE BARTOW FL 338304834, BARTOW, FL 33830-4834

Mortgage

Document Number	110081416
Date	Oct 16, 2019
Book Page	011008/001416
Instrument	219767

Lender

Name	SEACOAST NAT'L BK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 15, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$286,861 (-1.59%) Land $64,876 Building $221,985	$286,861 (-1.59%) Land $64,876 Building $221,985
2025	$5,310.00 (+21.23%)	$291,508 (+48.09%) Land $64,876 Building $226,632	$291,508 (+48.09%) Land $64,876 Building $226,632
2023	$4,380.00 (+17.52%)	$196,846 (+2.14%) Land $64,876 Building $131,970	$196,846 (+2.14%) Land $64,876 Building $131,970
2022	$3,727.00	$192,731 Land $64,876 Building $127,855	$192,731 Land $64,876 Building $127,855

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
Nearby Flood Policies	1 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	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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 345 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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