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295 W Clower St, Bartow, FL 33830 Property Records

Polk County property record for 295 W Clower St, Bartow, FL 33830

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 816 sqft · built 1953
Lot Size0.278 acres (12,110 sqft)
Owner2 Individual Names on File
Last Sale$139,900 (Sep 2018)
Tax Bill$3,441 (2025)
Deeds & MortgagesSep 2018 Mortgage
Sep 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-30-18-429700-001010

Property Details

APN / Parcel Number

Primary APN25-30-18-429700-001010
Alternative APNs
  • 183025429700001010
  • 83025000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area816 sqft Living Area
1st Floor Area816 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 2008
Exterior MaterialShingles
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialOther
Lot Area12,110 sqft (0.278 acres)
Lot Dimensions136 ft deep x 89 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area240 sqft
CarportCarport
Carport Area240 sqft
PorchEnclosed/Unfinished Porch
Porch Area522 sqft

Location & Zoning

Street Address295 W CLOWER ST
CityBARTOW
StateFL
Zip33830-7112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionBELLAIRE HTS PB 35 PG 38 BLK A LOT 1
Legal Range25E
Legal Township30S
Legal Section18
Legal SubdivisionBELLAIRE HEIGHTS
Legal Tract429700
Legal BlockA
Legal Lot Number1
JurisdictionPOLK FL
Township / Civil DivisionBARTOW
Census Block Group1
Census Block1023
Census Tract15102

Owner

295 W Clower St is owned and occupied by two individuals who bought it in September 2018.

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 Record2 Individual Names on File
Mailing Address295 W CLOWER ST, BARTOW, FL 33830-7112
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 20, 2018Deed of Trust, Mortgage
GENEVA FIN'L
Sep 24, 2018Warranty Deed, Transfer · Conventional Mortgage
HOUSING FIN AGCY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 24, 2018 · Amount on File
Deed SaleSep 24, 2018 · Amount on File
Prior SaleApr 23, 2007 · Amount on File
Deed Document Number2018201886
Deed Book / Page10621 / 81
Record UpdatedOct 29, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address295 W CLOWER ST, BARTOW, FL 33830-7112
Document Number0106252114
Instrument DateSep 20, 2018
Transaction TypeMortgage
Record UpdatedNov 22, 2018
Title CompanyUNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address554 MORREL AVE LAKE WALES FL 338598259, LAKE WALES, FL 33859-8259

Mortgage

Document Number0106252114
DateSep 28, 2018
Book Page010625/002114
Instrument205652
Lender
NameGENEVA FIN'L
TypeFunding / Finance Company
AddressCHANDLER, AZ 85248
Agreement
AmountAmount on Record
Term360 Months
DueSep 27, 2048

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 24, 2018
Property Address295 W CLOWER ST, BARTOW, FL 33830-7112
Document Number0106210081
Book / Page010621 / 000081
Instrument DateSep 20, 2018
Instrument201886
Transaction TypeTransfer
Record UpdatedOct 10, 2018
Title CompanyUNITED TITLE GROUP/LAKELAND LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$979.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address295 W CLOWER ST BARTOW FL 338307112, BARTOW, FL 33830-7112

Mortgage

Document Number106210094
DateSep 24, 2018
Book Page010621/000094
Instrument201888
Lender
NameHOUSING FIN AGCY
AddressTALLAHASSEE, FL 32301-1329
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 23, 2048

Mortgage

Document Number106210083,
DateSep 24, 2018
Book Page010621/000083
Instrument201887
Lender
NameGENEVA FIN'L
TypeFunding / Finance Company
AddressCHANDLER, AZ 85248
Agreement
AmountAmount on Record
Term360 Months
DueSep 23, 2048

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$194,454 (+5.23%) Land $18,500 Building $175,954$194,454 (-2.35%) Land $18,500 Building $175,954
2025$3,441.00 (+3.33%)$184,782 (-4.81%)$199,130 (+2.58%) Land $18,500 Building $180,630
2023$3,330.00 (+19.44%)$194,120 (+8.66%) Land $18,000 Building $176,120$194,120 (+8.66%) Land $18,000 Building $176,120
2022$2,788.00$178,655 Land $15,000 Building $163,655$178,655 Land $15,000 Building $163,655

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

Flood

FEMA maps place 295 W Clower St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force
Nearby Flood Claims1 (2022)
Most Recent ClaimSep 2022 · Hurricane Ian

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 295 W Clower St is moderate, ranking above 44% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 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 140 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
T-Mobile
Fixed Wireless		100 / 20

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