2826 Virginia Pine Dr, Bartow, FL 33830 Property Records

Polk County property record for 2826 Virginia Pine Dr, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,250 sqft · built 2026
Lot Size	0.135 acres (5,894 sqft)
Owner	Individual Name on File
Last Sale	$274,900 (May 2026)
Tax Bill	$910 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-29-32-363430-000380`

Property Details

APN / Parcel Number

Primary APN	`25-29-32-363430-000380`
Alternative APN	`322925363430000380`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,250 sqft Living Area
Gross Area	1,670 sqft
1st Floor Area	1,250 sqft

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,894 sqft (0.135 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch

Location & Zoning

Street Address	2826 VIRGINIA PINE DR
City	BARTOW
State	FL
Zip	33830-6053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROVE AT STUART CROSSING PHASE ONE PB 203 PGS 18-25 LOT 38
Legal Subdivision	GROVE AT STUART CROSSING PHASE ONE
Legal Lot Number	38
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1067
Census Tract	14803

Owner

2826 Virginia Pine Dr is owned by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	2085 N KEENE RD, CLEARWATER, FL 33755-1372
Owner Type	Individual
Vesting	Unmarried Man

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 Names	Name on Deed
Last Sale	May 19, 2026 · Amount on File
Deed Sale	May 19, 2026 · Amount on File
Deed Document Number	2026119131
Deed Book / Page	14003 / 1439
Record Updated	Oct 29, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 19, 2026
Property Address	2826 VIRGINIA PINE DR, BARTOW, FL 33830-6053
Document Number	0000119131
Book / Page	14003 / 1439
Instrument Date	May 15, 2026
Instrument	2026.119131
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	CAREFREE TITLE AGENCY INC, CAREFREE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194,354.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2085 N KEENE RD, CLEARWATER, FL 33755-1372

Mortgage

Document Number	0000119132,
Date	May 19, 2026
Instrument	2026..119132

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2826 Virginia Pine Dr was $910.

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		$50,000 (-) Land $50,000	$50,000 (-) Land $50,000
2025	$910.00	$50,000 Land $50,000	$50,000 Land $50,000

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 2826 Virginia Pine Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 2826 Virginia Pine Dr is moderate, ranking above 68% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 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 144 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
T-Mobile Fixed Wireless	100 / 20