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2048 Winding River Cv, Bartow, FL 33830 Property Records

Polk County property record for 2048 Winding River Cv, Bartow, FL 33830

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,878 sqft · built 2023
Lot Size0.299 acres (13,042 sqft)
Owner2 Individual Names on Record
Last Sale$64,500 (May 2023)
Tax Bill$4,896 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-29-35-363486-000370

Property Details

APN / Parcel Number

Primary APN25-29-35-363486-000370
Alternative APN
  • 352925363486000370

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,878 sqft Living Area
Gross Area2,278 sqft
1st Floor Area1,878 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area13,042 sqft (0.299 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchScreened/Unfinished Porch
Porch Area65 sqft

Location & Zoning

Street Address2048 WINDING RIVER CV
CityBARTOW
StateFL
Zip33830-8754
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWINDING RIVER COVE PB 197 PG 38-39 LOT 37
Legal SubdivisionWINDING RIVER COVE
Legal Block2
Legal Lot Number37
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2016
Census Tract14501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2048 WINDING RIVER CV, BARTOW, FL 33830-8754
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 3, 2023 · Amount on Record
Deed SaleMay 3, 2023 · Amount on Record
Deed Document Number2023102062
Deed Book / Page12675 / 1030
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 3, 2023
Property Address2048 WINDING RIVER CV, BARTOW, FL 33830-8754
Document Number0000102062
Book / Page12675 / 1030
Map ReferenceMB 197 PG 38&39
Instrument DateMay 1, 2023
Instrument2023102062
Transaction TypeTransfer
Record UpdatedFeb 9, 2024
Title CompanyINSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

AmountAmount Recorded
Tax$451.50
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
Address111 WALKER AVE, GREENACRES, FL 33463-3343

Mortgage

Document Number0126751031
DateMay 3, 2023
Instrument12675/1031
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term369 Months
DueFeb 1, 2054

Tax Assessment & Valuation

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$308,647 (-1.1%) Land $56,000 Building $252,647$308,647 (-1.1%) Land $56,000 Building $252,647
2025$4,896.00 Homeowner's exemption$312,065 Land $55,000 Building $257,065$312,065 Land $55,000 Building $257,065

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

Flood

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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

Wildfire RiskModerate
above 66% of the US · above 44% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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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