2012 Winding River Cv, Bartow, FL 33830 Property Records

Polk County property record for 2012 Winding River Cv, Bartow, FL 33830 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 2024
Lot Size	0.295 acres (12,837 sqft)
Owner	2 Individual Names on File
Last Sale	$349,900 (Jul 2024)
Tax Bill	$4,725 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-363486-000280`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363486-000280`
Alternative APN	`352925363486000280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,786 sqft Living Area
Gross Area	2,236 sqft
1st Floor Area	1,786 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	12,837 sqft (0.295 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	104 sqft

Location & Zoning

Street Address	2012 WINDING RIVER CV
City	BARTOW
State	FL
Zip	33830-8753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDING RIVER COVE PB 197 PG 38-39 LOT 28
Legal Subdivision	WINDING RIVER COVE
Legal Block	2
Legal Lot Number	28
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2016
Census Tract	14501

Owner

Source: Polk County records · APN 25-29-35-363486-000280

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	2012 WINDING RIVER CV, BARTOW, FL 33830-8753
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 25, 2024 · Amount on Record
Deed Sale	Jul 25, 2024 · Amount on Record
Deed Document Number	2024171679
Deed Book / Page	13204 / 183
Record Updated	Sep 20, 2026

July 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 25, 2024
Property Address	2012 WINDING RIVER CV, BARTOW, FL 33830-8753
Document Number	0000171679
Book / Page	13204 / 183
Map Reference	MB 197 PG 38&39
Instrument Date	Jul 22, 2024
Instrument	2024171679
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,421.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 WINDING RIVER CV, BARTOW, FL 33830-8753

Mortgage

Document Number	0013204185
Date	Jul 25, 2024
Instrument	13204/185

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2054

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,725.00	$302,658 Land $55,000 Building $247,658	$302,658 Land $55,000 Building $247,658

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 121050145012, 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
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force 13 of 13 on primary residences
Nearby Flood Claims	23 (1979–2022)
Claims Outside the SFHA	3 of 23
Most Recent Claim	Sep 2022, rainfall accumulation, Hurricane Ian
Flood Events	Hurricane Frances (Sep 2004), 13 claims

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	About 1 in 413 per year
Exposure	Direct burnable vegetation at the parcel

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.