2027 Winding River Cv, Bartow, FL 33830 Property Records

Polk County property record for 2027 Winding River Cv, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,936 sqft · built 2024
Lot Size	0.344 acres (14,976 sqft)
Owner	2 Individual Names on Record
Last Sale	$67,500 (Nov 2023)
Tax Bill	$7,859 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-363486-000050`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363486-000050`
Alternative APN	`352925363486000050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,936 sqft Living Area
Gross Area	3,486 sqft
1st Floor Area	2,936 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	14,976 sqft (0.344 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	550 sqft
Porch	Unfinished Open Porch
Porch Area	562 sqft

Location & Zoning

Street Address	2027 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 5
Legal Subdivision	WINDING RIVER COVE
Legal Block	2
Legal Lot Number	5
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2016
Census Tract	14501

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	2 Individual Names on Record
Mailing Address	15983 FISHHAWK VIEW DR, LITHIA, FL 33547-3879
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit FLORIDA CREDIT UNION
Mar 13, 2026	Intrafamily Transfer, Transfer
Nov 30, 2023	Warranty Deed, Construction Loan · Construction Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Deed Document Number	2023279714
Deed Book / Page	12923 / 1756
Last Transfer Date	Mar 4, 2026
Transfer Doc	0000060973
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jul 1, 2026
Property Address	2027 WINDING RIVER CV, BARTOW, FL 33830-8753
Document Number	0000156751
Book / Page	14058 / 1942
Instrument Date	Jun 23, 2026
Instrument	2026156751
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	INSURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2027 WINDING RIVER CV, BARTOW, FL 33830-8753

Mortgage

Document Number	0000156751,
Date	Jul 1, 2026
Book Page	14058/1942
Instrument	2026156751

Lender

Name	FLORIDA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Mar 13, 2026
Property Address	2027 WINDING RIVER CV, BARTOW, FL 33830-8753
Document Number	0000060973
Book / Page	13916 / 1338
Map Reference	MB 197 PG 38&39
Instrument Date	Mar 4, 2026
Instrument	2026060973
Transaction Type	Transfer
Record Updated	Mar 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15983 FISHHAWK VIEW DR, LITHIA, FL 33547-3879

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15983 FISHHAWK VIEW DR, LITHIA, FL 33547-3879

November 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 30, 2023
Property Address	2027 WINDING RIVER CV, BARTOW, FL 33830-8753
Document Number	0000279714
Book / Page	12923 / 1756
Map Reference	MB 197 PG 38&39
Instrument Date	Nov 27, 2023
Instrument	2023279714
Transaction Type	Construction Loan
Record Updated	Jan 13, 2026
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount Recorded
Tax	$472.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15983 FISHHAWK VIEW DR, LITHIA, FL 33547-3879

Mortgage

Document Number	0129231757
Date	Nov 30, 2023
Instrument	12923/1757

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Aug 1, 2054

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		$467,708 (-1.48%) Land $58,000 Building $409,708	$467,708 (-1.48%) Land $58,000 Building $409,708
2025	$7,859.00 (+849.15%)	$474,727 (+4,130.32%) Land $58,000 Building $416,727	$474,727 (+4,130.32%) Land $58,000 Building $416,727
2024	$828.00 (+301.94%)
2023	$206.00	$11,222 Land $11,222	$11,222 Land $11,222

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

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	23 (1979–2022)
Claims Outside the SFHA	3 of 23
Most Recent Claim	Sep 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

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 90 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

Cell Coverage

5G (outdoors only) and 4G LTE

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