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2020 Winding River Cv, Bartow, FL 33830 Property Records

Polk County property record for 2020 Winding River Cv, Bartow, FL 33830

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,786 sqft · built 2024
Lot Size0.27 acres (11,779 sqft)
Owner2 Individual Names on File
Last Sale$345,900 (Apr 2024)
Tax Bill$4,725 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-29-35-363486-000300

Property Details

APN / Parcel Number

Primary APN25-29-35-363486-000300
Alternative APN
  • 352925363486000300

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,786 sqft Living Area
Gross Area2,236 sqft
1st Floor Area1,786 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area11,779 sqft (0.27 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area450 sqft
PorchUnfinished Open Porch
Porch Area104 sqft

Location & Zoning

Street Address2020 WINDING RIVER CV
CityBARTOW
StateFL
Zip33830-8753
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWINDING RIVER COVE PB 197 PG 38-39 LOT 30
Legal SubdivisionWINDING RIVER COVE
Legal Block2
Legal Lot Number30
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2016
Census Tract14501

Owner

2020 Winding River Cv is owned and occupied by two individuals who bought it in April 2024.

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

Owner of Record2 Individual Names on File
Mailing Address2020 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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 3, 2024 · Amount on File
Deed SaleApr 3, 2024 · Amount on File
Deed Document Number202475325
Deed Book / Page13062 / 890
Record UpdatedOct 29, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 3, 2024
Property Address2020 WINDING RIVER CV, BARTOW, FL 33830-8753
Document Number0000075325
Book / Page13062 / 890
Map ReferenceMB 197 PG 38&39
Instrument DateMar 27, 2024
Instrument2024075325
Transaction TypeTransfer
Record UpdatedJan 13, 2026
Title CompanyINSURED RE TTL SVCS INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,421.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2020 WINDING RIVER CV, BARTOW, FL 33830-8753

Mortgage

Document Number0000075326
DateApr 3, 2024
Book Page13062/891
Instrument2024075326
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 2020 Winding River Cv was $4,725 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$298,922 (-1.23%) Land $56,000 Building $242,922$298,922 (-1.23%) Land $56,000 Building $242,922
2025$4,725.00$302,658 Land $55,000 Building $247,658$302,658 Land $55,000 Building $247,658
2023$206.00$11,224 Land $11,224$11,224 Land $11,224

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2020 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 2020 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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