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2019 Winding River Cv, Bartow, FL 33830 Property Records

Polk County property record for 2019 Winding River Cv, Bartow, FL 33830

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,941 sqft · built 2024
Lot Size0.344 acres (14,985 sqft)
Owner2 Individual Names on File
Last Sale$69,500 (Dec 2023)
Tax Bill$6,105 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Dec 2023 Sale & Construction Loan
Flood ZoneZone X (minimal risk)
APN25-29-35-363486-000030

Property Details

APN / Parcel Number

Primary APN25-29-35-363486-000030
Alternative APN
  • 352925363486000030

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,941 sqft Living Area
Gross Area3,408 sqft
1st Floor Area2,941 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area14,985 sqft (0.344 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area467 sqft
PorchUnfinished Open Porch
Porch Area468 sqft

Location & Zoning

Street Address2019 WINDING RIVER CV
CityBARTOW
StateFL
Zip33830-8753
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWINDING RIVER COVE PB 197 PG 38-39 LOT 3
Legal SubdivisionWINDING RIVER COVE
Legal Block2
Legal Lot Number3
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2016
Census Tract14501

Owner

2019 Winding River Cv is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record2 Individual Names on File
Mailing Address2019 WINDING RIVER CV, BARTOW, FL 33830-8753
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Feb 24, 2026Deed of Trust, Mortgage · Conventional Mortgage
PHH MORTGAGE SERVICES CORP
Dec 29, 2023Warranty Deed, Construction Loan · Construction Mortgage
FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 29, 2023 · Amount on File
Deed SaleDec 29, 2023 · Amount on File
Deed Document Number2023303004
Deed Book / Page12957 / 464
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address2019 WINDING RIVER CV, BARTOW, FL 33830-8753
Transaction TypeMortgage
Record UpdatedMar 11, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2019 WINDING RIVER CV, BARTOW, FL 33830-8753

Mortgage

Document Number0000044585
DateFeb 24, 2026
Book Page13892/866
Instrument2026044585
Lender
NamePHH MORTGAGE SERVICES CORP
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2056

December 2023: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 29, 2023
Property Address2019 WINDING RIVER CV, BARTOW, FL 33830-8753
Document Number0000303004
Book / Page12957 / 464
Map ReferenceMB 197 PG 38&39
Instrument DateDec 27, 2023
Instrument2023303004
Transaction TypeConstruction Loan
Record UpdatedJan 13, 2026
Title CompanyINSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

AmountAmount on Record
Tax$486.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 PALM VIEW CT, HAINES CITY, FL 33844-6797

Mortgage

Document Number0012957465
DateDec 29, 2023
Instrument12957/465
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term369 Months
DueSep 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 2019 Winding River Cv was $6,105 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
MunicipalityBartow City
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$388,621 (+2.7%)$457,988 (-1.51%) Land $58,000 Building $399,988
2025$6,105.00 Homeowner's exemption$378,404 (+444.47%)$465,020 Land $58,000 Building $407,020
2024$69,500
$69,500

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

Flood

FEMA maps place 2019 Winding River Cv in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims23 (1979–2022)
Claims Outside the SFHA3 of 23
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Frances, Sep 2004 · 13 claims

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

Wildfire risk around 2019 Winding River Cv is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemCITY OF BARTOW
serves 21,501 people · EPA ID FL6530315
Water SourceGroundwater
Last State InspectionNov 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 90 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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