Polk County property record for 3145 River Oaks Dr, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,868 sqft · built 1986 |
| Lot Size | 1.13 acres (49,423 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jun 2010) |
| Tax Bill | $849 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-34-000000-011110 |
| Primary APN | 25-29-34-000000-011110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,868 sqft Living Area |
| Gross Area | 2,420 sqft |
| 1st Floor Area | 1,868 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 49,423 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 495 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 3145 RIVER OAKS DR |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-8900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE1 |
| Legal Description | BEG 230 FT N & 50 FT W OF SE COR OF NW1/4 OF NE1/4 OF NE1/4 RUN N 31 DEG 19 12 W 220.37 FT WLY ALONG CURVE 74.05 FT S 200 FT E 180.25 FT TO POB BEING LOT 8 OF UNRE SURVEY & BEG E-LINE OF NW1/4 OF NE1/4 OF NE1/4 230 FT N OF SE COR RUN N 230 FT W 139.9 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 34 |
| Legal Subdivision | ALAMEDA HEIGHTS |
| Legal Tract | 000000 |
| Legal Block | 2 |
| Legal Lot Number | 8,9 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 14501 |
3145 River Oaks Dr is owned and occupied by an individual who bought it in June 2010.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3145 RIVER OAKS DR, BARTOW, FL 33830-8900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2010 · Amount on File |
| Deed Sale | Jun 29, 2010 · Amount on File |
| Prior Sale | Jan 25, 1999 · Amount on File |
| Deed Document Number | 2010101390 |
| Deed Book / Page | 8166 / 2136 |
| Prior Transfer Date | Aug 26, 2007 |
| Prior Transfer Doc | 0000027341 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3145 RIVER OAKS DR, BARTOW, FL 33830-8900 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3145 RIVER OAKS DR, BARTOW, FL 33830-8900 |
| Document Number | 0000084808 |
|---|---|
| Date | Apr 13, 2023 |
| Book Page | 12650/1251 |
| Instrument | 2023084808 |
| Name | COMMUNITY LOANS & INVESTMENTS LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 3145 River Oaks Dr was $849 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $108,796 (+2.7%) | $327,492 (+7.11%) Land $78,000 Building $249,492 | |
| 2025 | $849.00 Homeowner's exemption | $105,936 | $305,757 Land $52,500 Building $253,257 |
| 2023 | $1,264.00 (+4.72%) Homeowner's exemption | $99,951 (+3%) | $314,444 (+19.92%) Land $37,000 Building $277,444 |
| 2022 | $1,207.00 Homeowner's exemption | $97,040 | $262,222 Land $31,000 Building $231,222 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3145 River Oaks 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 3145 River Oaks Dr is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 46% 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 | 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 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 |
5G (outdoors only) and 4G LTE
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