2028 Winding River Cv, Bartow, FL 33830 Property Records

Polk County property record for 2028 Winding River Cv, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,854 sqft · built 2024
Lot Size	0.271 acres (11,787 sqft)
Owner	2 Individual Names on File
Last Sale	$337,030 (Jun 2024)
Tax Bill	$4,793 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Feb 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-363486-000320`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363486-000320`
Alternative APN	`352925363486000320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	2,254 sqft
1st Floor Area	1,854 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	11,787 sqft (0.271 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	104 sqft
Shed	1 Shed

Location & Zoning

Street Address	2028 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 32
Legal Subdivision	WINDING RIVER COVE
Legal Block	2
Legal Lot Number	32
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2016
Census Tract	14501

Owner

2028 Winding River Cv is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2028 WINDING RIVER CV, BARTOW, FL 33830-8753
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 13, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME SOLUTION LENDERS INC
Feb 16, 2024	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2024 · Amount on File
Deed Sale	Jun 13, 2024 · Amount on File
Prior Sale	Feb 16, 2024 · Amount on File
Deed Document Number	2024136689
Deed Book / Page	13152 / 264
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 13, 2024
Property Address	2028 WINDING RIVER CV, BARTOW, FL 33830-8753
Document Number	0000136689
Book / Page	13152 / 264
Map Reference	MB 197 PG 38&39
Instrument Date	Jun 10, 2024
Instrument	2024136689
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	ESTATE TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,359.70
Amount Accuracy	Rounded by County
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
Relationship	Joint Tenants with Right of Survivorship
Address	2028 WINDING RIVER CV, BARTOW, FL 33830-8753

Mortgage

Document Number	0013152265
Date	Jun 13, 2024
Instrument	13152/265

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

Mortgage

Document Number	0000136691
Date	Jun 13, 2024
Book Page	13152/281
Instrument	2024136691

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company
Address	BARTOW, FL 33830

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2034

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 16, 2024
Property Address	2028 WINDING RIVER CV, BARTOW, FL 33830-8753
Document Number	0000037078
Book / Page	13009 / 339
Map Reference	MB 197 PG 38&39
Instrument Date	Feb 14, 2024
Instrument	2024037078
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$486.50
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	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2028 Winding River Cv was $4,793 with a homeowner's exemption.

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		$301,564 (-1.59%) Land $56,000 Building $245,564	$301,564 (-1.59%) Land $56,000 Building $245,564
2025	$4,793.00 Homeowner's exemption	$306,425 Land $55,000 Building $251,425	$306,425 Land $55,000 Building $251,425
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 2028 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2028 Winding River Cv is moderate, ranking above 66% of the US, with a 0.3% annual chance of 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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