3110 River Oaks Dr, Bartow, FL 33830 Property Records

Polk County property record for 3110 River Oaks Dr, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,258 sqft · built 1986
Lot Size	0.505 acres (21,989 sqft)
Owner	Company Name on Record
Last Sale	$296,100 (Apr 2022)
Tax Bill	$3,611 (2025)
Deeds & Mortgages	Apr 2022 Sale Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-34-000000-011180`

Property Details

APN / Parcel Number

Primary APN	`25-29-34-000000-011180`
Alternative APNs	`342925000000011180` `42925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,258 sqft Living Area
Gross Area	1,950 sqft
1st Floor Area	1,040 sqft
Upper Floors Area	910 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	21,989 sqft (0.505 acres)
Lot Dimensions	179 ft deep x 120 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	448 sqft
Porch	Unfinished Open Porch
Porch Area	632 sqft
Patio Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3110 RIVER OAKS DR
City	BARTOW
State	FL
Zip	33830-9479
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	XX
Legal Description	BEG 490 FT N & 276.19 FT W OF SE COR OF NW1/4 OF NE1/4 OF NE1/4 RUN N 179.2 FT TO N-LINE OF NW1/4 OF NE1/4 OF NE1/4 W 120 FT TO E-LINE 91 MINE RD SLY ALONG CURVE ON R/W 179.89 FT E 130.95 FT TO POB BEING LOT 12 OF UNRE SURVEY
Legal Range	25E
Legal Township	29S
Legal Section	34
Legal Subdivision	ALAMEDA HEIGHTS
Legal Tract	000000
Legal Block	2
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2020
Census Tract	14501

Owner

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 Record	Company Name on Record
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Warranty Deed, Transfer REALTECH TITLE LLC
Apr 8, 2022	Warranty Deed, Transfer · VA Mortgage HOME SOLUTION LENDERS INC
Feb 12, 2021	Warranty Deed, Transfer REALTECH TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2022 · Amount on Record
Deed Sale	Apr 8, 2022 · Amount on Record
Prior Sale	Feb 12, 2021 · Amount on Record
Deed Document Number	202297018
Deed Book / Page	12202 / 1309
Prior Transfer Date	Apr 6, 2022
Prior Transfer Doc	0000100384
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 12, 2022
Property Address	3110 RIVER OAKS DR, BARTOW, FL 33830-9479
Document Number	0000100384
Book / Page	12207 / 76
Instrument Date	Apr 12, 2022
Instrument	2022100384
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	REALTECH TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 S RIVERSIDE PLZ # PLZ2000, 120, CHICAGO, IL 60606-3913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1005, BARTOW, FL 33831-1005

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 8, 2022
Property Address	3110 RIVER OAKS DR, BARTOW, FL 33830-9479
Document Number	0000097018
Book / Page	12202 / 1309
Instrument Date	Apr 1, 2022
Instrument	2022097018
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	REALTECH TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,072.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 S RIVERSIDE PLZ # PLZ2000, 120, CHICAGO, IL 60606-3913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1445 E MAIN ST, BARTOW, FL 33830-5202

Mortgage

Document Number	0122021311
Date	Apr 8, 2022
Instrument	12202/1311

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 12, 2021
Property Address	3110 RIVER OAKS DR, BARTOW, FL 33830-9479
Document Number	0000036831
Book / Page	11578 / 1471
Instrument Date	Feb 4, 2021
Instrument	2021036831
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	REALTECH TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 S RIVERSIDE PLZ STE 2000, 2000, CHICAGO, IL 60606-6995
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
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		$307,260 (+1%)	$315,268 (+12.87%) Land $52,000 Building $263,268
2025	$3,611.00 (-13.41%)	$279,327 (-2.45%) Land $35,000 Building $244,327	$279,327 (-2.45%) Land $35,000 Building $244,327
2024	$4,170.00 (-1.79%)
2023	$4,246.00 (+22.54%)	$286,351 (+26.49%) Land $25,000 Building $261,351	$286,351 (+26.49%) Land $25,000 Building $261,351
2022	$3,465.00	$226,386 Land $21,000 Building $205,386	$226,386 Land $21,000 Building $205,386

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	23 (1979–2022)
Claims Outside the SFHA	3 of 23
Most Recent Claim	Sep 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 Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

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 50 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

Cell Coverage

5G (outdoors only) and 4G LTE

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