Polk County property record for 2098 Charleston Ln, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,967 sqft · built 2017 |
| Lot Size | 0.209 acres (9,121 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $218,100 (May 2017) |
| Tax Bill | $2,998 (2025) |
| Deeds & Mortgages | Jul 2022 Transfer Jan 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-29-36-292207-000670 |
| Primary APN | 24-29-36-292207-000670 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,967 sqft Living Area |
| Gross Area | 2,387 sqft |
| 1st Floor Area | 1,967 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 9,121 sqft (0.209 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 173 sqft |
| Shed | 1 Shed |
| Street Address | 2098 CHARLESTON LN |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-3037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAGNOLIA WALK PHASE TWO PB 155 PGS 26 & 27 LOT 67 |
| Legal Range | 24E |
| Legal Township | 29S |
| Legal Section | 36 |
| Legal Subdivision | MAGNOLIA WALK PHASE TWO |
| Legal Phase | 2 |
| Legal Tract | 292207 |
| Legal Block | 1 |
| Legal Lot Number | 67 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 14803 |
2098 Charleston Ln is owned and occupied by two individuals who acquired it in July 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 25, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jan 7, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Oct 10, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Apr 13, 2018 | Deed of Trust, Mortgage · VA Mortgage LOAN ONE |
| May 9, 2017 | Grant Deed, Subdivision Related Transfer · VA Mortgage HOME SOLUTION LENDERS |
| Jan 11, 2017 | Warranty Deed, Transfer INNOVATIVE TITLE AGENCY |
| Jan 10, 2017 | Loan Modification, Mortgage · Line of Credit CENTERSTATE BK/FL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2017 · Amount on File |
| Deed Sale | May 9, 2017 · Amount on File |
| Prior Sale | Jan 1, 2017 · Amount on File |
| Deed Document Number | 201788920 |
| Deed Book / Page | 10142 / 900 |
| Last Transfer Date | Jul 21, 2022 |
| Transfer Doc | 0000201092 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 25, 2022 |
| Property Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Document Number | 0000201092 |
| Book / Page | 12350 / 1598 |
| Map Reference | MB 155 PG 26&27 |
| Instrument Date | Jul 21, 2022 |
| Instrument | 2022201092 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2098 CHARLESTON LN, 2098, BARTOW, FL 33830-3037 |
| Name | Verified Name |
|---|---|
| Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Document Number | 0115530486 |
| Instrument Date | Jan 7, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2098 CHARLESTON LN BARTOW FL 338303037, BARTOW, FL 33830-3037 |
| Document Number | 0115530486 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 011553/000486 |
| Instrument | 20408 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 25, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Document Number | 0110101427 |
| Instrument Date | Oct 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2098 CHARLESTON LN BARTOW FL 338303037, BARTOW, FL 33830-3037 |
| Document Number | 0110101427 |
|---|---|
| Date | Oct 17, 2019 |
| Book Page | 011010/001427 |
| Instrument | 221184 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 16, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Document Number | 0104601348 |
| Instrument Date | Apr 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2018 |
| Title Company | LANDSEL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2098 CHARLESTON LN BARTOW FL 338303037, BARTOW, FL 33830-3037 |
| Document Number | 0104601348 |
|---|---|
| Date | Apr 20, 2018 |
| Book Page | 010460/001348 |
| Instrument | 84712 |
| Name | LOAN ONE |
|---|---|
| Type | Funding / Finance Company |
| Address | WESTERVILLE, OH 43081 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 19, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 9, 2017 |
| Property Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Document Number | 0101420900 |
| Book / Page | 010142 / 000900 |
| Instrument Date | May 4, 2017 |
| Instrument | 88920 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 26, 2017 |
| Title Company | INNOVATIVE TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,526.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2098 CHARLESTON LN BARTOW FL 338303037, BARTOW, FL 33830-3037 |
| Document Number | 101420901 |
|---|---|
| Date | May 9, 2017 |
| Book Page | 010142/000901 |
| Instrument | 88921 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 11, 2017 |
| Property Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Document Number | 0100361069 |
| Book / Page | 010036 / 001069 |
| Instrument Date | Jan 10, 2017 |
| Instrument | 6505 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2017 |
| Title Company | INNOVATIVE TITLE AGENCY |
| Amount | Amount on Record |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 2098 CHARLESTON LN, BARTOW, FL 33830-3037 |
| Document Number | 0100361071 |
| Instrument Date | Jan 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | INNOVATIVE TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
| Document Number | 0100361071 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 010036/001071 |
| Instrument | 6506 |
| Name | CENTERSTATE BK/FL |
|---|---|
| Type | Bank |
| Address | 3221 S FLORIDA AVE, LAKELAND, FL 33803-4550 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2098 Charleston Ln was $2,998 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Bartow City |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $213,459 (+2.7%) | $277,768 (-7.92%) Land $70,000 Building $207,768 | |
| 2025 | $2,998.00 Homeowner's exemption | $207,847 | $301,658 Land $70,000 Building $231,658 |
| 2023 | $3,143.00 (+14.58%) Homeowner's exemption | $196,106 (+3%) | $302,794 (+8.64%) Land $48,000 Building $254,794 |
| 2022 | $2,743.00 Homeowner's exemption | $190,394 | $278,713 Land $40,000 Building $238,713 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2098 Charleston Ln in Zone X, an area of minimal flood risk.
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 22 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 22 in force |
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 risk around 2098 Charleston Ln is high, ranking above 80% of the US, with a 0.7% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 33 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 |
| Spectrum Cable | 1,000 / 35 |
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