3305 Citrus Dr, Bartow, FL 33830 Property Records

Polk County property record for 3305 Citrus Dr, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,218 sqft · built 1976
Lot Size	0.386 acres (16,805 sqft)
Owner	Individual Name on Record
Last Sale	$101,000 (Dec 2017)
Tax Bill	$991 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-363480-000410`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363480-000410`
Alternative APNs	`352925363480000410` `52925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,218 sqft Living Area
Gross Area	1,566 sqft
1st Floor Area	1,218 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	16,805 sqft (0.386 acres)
Lot Dimensions	140 ft deep x 120 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	348 sqft
Porch	Unfinished Open Porch
Porch Area	75 sqft
Shed	1 Shed

Location & Zoning

Street Address	3305 CITRUS DR
City	BARTOW
State	FL
Zip	33830-9424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEACE RIVER ESTS 2ND ADD PB 61 PG 15 LOT-41
Legal Range	25E
Legal Township	29S
Legal Section	35
Legal Subdivision	PEACE RIVER ESTATES SECOND ADDITION
Legal Block	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2013
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	Individual Name on Record
Mailing Address	3305 CITRUS DR, BARTOW, FL 33830-9424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU
Dec 6, 2017	Warranty Deed, Transfer · FHA Mortgage NTFN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2017 · Amount on Record
Deed Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	2017233807
Deed Book / Page	10332 / 1694
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3305 CITRUS DR, BARTOW, FL 33830-9424
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000279380
Date	Nov 29, 2023
Book Page	12923/709
Instrument	2023279380

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	97 Months
Due	Dec 1, 2031

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3305 CITRUS DR, BARTOW, FL 33830-9424
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 CITRUS DR, BARTOW, FL 33830-9424

Mortgage

Document Number	0000185738
Date	Jul 19, 2021
Book Page	11807/1172
Instrument	2021185738

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 6, 2017
Property Address	3305 CITRUS DR, BARTOW, FL 33830-9424
Document Number	0103321694
Book / Page	010332 / 001694
Instrument Date	Nov 22, 2017
Instrument	233807
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$707.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 CLIFTON HEIGHTS RD NEWPORT TN 378212535, NEWPORT, TN 37821-2535

Mortgage

Document Number	103321696
Date	Dec 6, 2017
Book Page	010332/001696
Instrument	233808

Lender

Name	NTFN
Address	LEWISVILLE, TX 75067

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

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		$120,008 (+2.7%)	$203,929 (+9.42%) Land $50,000 Building $153,929
2025	$991.00 (-32.45%) Homeowner's exemption	$116,853 (+5.99%)	$186,375 (-3.47%) Land $30,000 Building $156,375
2023	$1,467.00 (+5.01%) Homeowner's exemption	$110,252 (+3%)	$193,069 (+17.23%) Land $21,000 Building $172,069
2022	$1,397.00 Homeowner's exemption	$107,041	$164,699 Land $17,500 Building $147,199

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 500 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	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 90 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

Cell Coverage

5G (outdoors only) and 4G LTE

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