1955 Charleston Ln, Bartow, FL 33830 Property Records

Polk County property record for 1955 Charleston Ln, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,067 sqft · built 2014
Lot Size	0.309 acres (13,451 sqft)
Owner	Individual Name on Record
Last Sale	$238,490 (Dec 2014)
Tax Bill	$3,744 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jan 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-29-36-292206-000200`

Property Details

APN / Parcel Number

Primary APN	`24-29-36-292206-000200`
Alternative APNs	`362924292206000200` `62924000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,067 sqft Living Area
Gross Area	3,507 sqft
1st Floor Area	1,834 sqft
Upper Floors Area	1,233 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	13,451 sqft (0.309 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Unfinished Open Porch
Porch Area	234 sqft
Shed	1 Shed

Location & Zoning

Street Address	1955 CHARLESTON LN
City	BARTOW
State	FL
Zip	33830-3036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAGNOLIA WALK PHASE ONE PB 135 PGS 43 & 44 LOT 20
Legal Range	24E
Legal Township	29S
Legal Section	36
Legal Subdivision	MAGNOLIA WALK PHASE ONE
Legal Phase	1
Legal Tract	292206
Legal Block	1
Legal Lot Number	20
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1036
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	1955 CHARLESTON LN, BARTOW, FL 33830-3036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Jan 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Dec 5, 2019	Deed of Trust, Mortgage · VA Mortgage MOVEMENT MTG
Apr 4, 2018	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2014 · Amount on Record
Deed Sale	Dec 4, 2014 · Amount on Record
Prior Sale	Aug 15, 2013 · Amount on Record
Deed Document Number	2014204817
Deed Book / Page	9398 / 486
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1955 CHARLESTON LN, BARTOW, FL 33830-3036
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000267805
Date	Nov 14, 2023
Book Page	12907/893
Instrument	2023267805

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1955 CHARLESTON LN, BARTOW, FL 33830-3036
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 CHARLESTON LN, BARTOW, FL 33830-3036

Mortgage

Document Number	0000010653
Date	Jan 13, 2023
Book Page	12551/686
Instrument	2023010653

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1955 CHARLESTON LN, BARTOW, FL 33830-3036
Document Number	0110710972
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 CHARLESTON LN BARTOW FL 338303036, BARTOW, FL 33830-3036

Mortgage

Document Number	0110710972
Date	Dec 11, 2019
Book Page	011071/000972
Instrument	263004

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1955 CHARLESTON LN, BARTOW, FL 33830-3036
Document Number	0104490552
Instrument Date	Apr 4, 2018
Transaction Type	Mortgage
Record Updated	Apr 23, 2018
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 CHARLESTON LN BARTOW FL 338303036, BARTOW, FL 33830-3036

Mortgage

Document Number	0104490552
Date	Apr 10, 2018
Book Page	010449/000552
Instrument	75797

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2048

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		$260,682 (+2.7%)	$352,212 (-8.56%) Land $60,000 Building $292,212
2025	$3,744.00 (-4.2%) Homeowner's exemption	$253,829 (+5.99%)	$385,197 (-4.08%) Land $60,000 Building $325,197
2023	$3,908.00 (+14.47%) Homeowner's exemption	$239,490 (+3%)	$401,580 (+13.63%) Land $48,000 Building $353,580
2022	$3,414.00 Homeowner's exemption	$232,515	$353,413 Land $40,000 Building $313,413

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.7% 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 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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