Polk County property record for 308 Gardenia Rd, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,254 sqft · built 1956 |
| Lot Size | 0.416 acres (18,112 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Mar 2022) |
| Tax Bill | $1,368 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-33-691500-001110 |
| Primary APN | 26-29-33-691500-001110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,254 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 18,112 sqft (0.416 acres) |
| Lot Dimensions | 100 ft deep x 180 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 372 sqft |
| Shed | 1 Shed |
| Utility Building | 154 sqft |
| Street Address | 308 GARDENIA RD |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-9468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDENIA PB 11 PG 9 BLK 1 LOTS 11 THRU 16 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 33 |
| Legal Subdivision | GARDENIA |
| Legal Tract | 691500 |
| Legal Block | 1 |
| Legal Lot Number | 11-16 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 15302 |
Source: Polk County records, as of June 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 308 GARDENIA RD, BARTOW, FL 33830-9468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Nov 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2022 · Amount on Record |
| Deed Sale | Mar 28, 2022 · Amount on Record |
| Prior Sale | Sep 8, 1997 · Amount on Record |
| Deed Document Number | 202282771 |
| Deed Book / Page | 12180 / 1295 |
| Prior Transfer Date | Aug 17, 2011 |
| Prior Transfer Doc | 0084570159 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 12, 2026 |
| Property Address | 308 GARDENIA RD, BARTOW, FL 33830-9468 |
| Document Number | 0000113689 |
| Book / Page | 13995 / 1015 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026113689 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 308 GARDENIA RD, BARTOW, FL 33830-9468 |
| Document Number | 0000113689, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 13995/1015 |
| Instrument | 2026113689 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 311 Months |
| Due | Apr 1, 2052 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 308 GARDENIA RD, BARTOW, FL 33830-9468 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 308 GARDENIA RD, BARTOW, FL 33830-9468 |
| Document Number | 0000279865 |
|---|---|
| Date | Nov 30, 2023 |
| Book Page | 12923/2175 |
| Instrument | 2023279865 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Apr 1, 2052 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,368.00 (-33.75%) Homeowner's exemption | $146,030 (-2.19%) Land $5,163 Building $140,867 | $146,030 (-2.19%) Land $5,163 Building $140,867 |
| 2024 | $2,065.00 (-16.16%) | ||
| 2023 | $2,463.00 (+216.17%) | $149,304 (+210.14%) Land $4,956 Building $144,348 | $149,304 (+58.74%) Land $4,956 Building $144,348 |
| 2022 | $779.00 | $48,141 | $94,056 Land $4,195 Building $89,861 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 4 (1982–2005) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Aug 2005 · Hurricane Katrina Evacuation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 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 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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