3403 Highland St, Bartow, FL 33830 Property Records

Polk County property record for 3403 Highland St, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,956 sqft · built 1979
Lot Size	0.518 acres (22,551 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jan 2019)
Tax Bill	$1,488 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`25-29-35-363480-000310`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363480-000310`
Alternative APNs	`352925363480000310` `52925000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,956 sqft Living Area
1st Floor Area	1,406 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	22,551 sqft (0.518 acres)
Lot Dimensions	180 ft deep x 111 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Carport	Carport
Porch	Florida Room
Porch Area	550 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	3403 HIGHLAND ST
City	BARTOW
State	FL
Zip	33830-9223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	PEACE RIVER ESTS 2ND ADD PB 61 PG 15 LOT 31
Legal Range	25E
Legal Township	29S
Legal Section	35
Legal Subdivision	PEACE RIVER ESTATES SECOND ADDITION
Legal Tract	363480
Legal Block	2
Legal Lot Number	31
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2013
Census Tract	14501

Owner

3403 Highland St is owned and occupied by an individual who bought it in January 2019.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	3403 HIGHLAND ST, BARTOW, FL 33830-9223
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 7, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Feb 18, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Jan 7, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jul 17, 2018	Deed of Trust, Mortgage FARM CREDIT SVCS
Jun 13, 2016	Deed of Trust, Mortgage · Conventional Mortgage ROBERT W GATES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2019 · Amount on File
Deed Sale	Jan 7, 2019 · Amount on File
Prior Sale	Jun 27, 2016 · Amount on File
Deed Document Number	20193294
Deed Book / Page	10716 / 1593
Prior Transfer Date	Aug 11, 2015
Prior Transfer Doc	0000148277
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3403 HIGHLAND ST, BARTOW, FL 33830-9223
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 HIGHLAND ST, BARTOW, FL 33830-9223
Investor	Possibly a Property Investor

Mortgage

Document Number	0000079943
Date	Apr 9, 2024
Book Page	13069/531
Instrument	2024079943

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3403 HIGHLAND ST, BARTOW, FL 33830-9223
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005227
Date	Jan 7, 2022
Book Page	12062/841
Instrument	2022005227

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3403 HIGHLAND ST, BARTOW, FL 33830-9223
Document Number	0111551398
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 HIGHLAND ST BARTOW FL 338309223, BARTOW, FL 33830-9223

Mortgage

Document Number	0111551398
Date	Feb 27, 2020
Book Page	011155/001398
Instrument	45053

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 7, 2019
Property Address	3403 HIGHLAND ST, BARTOW, FL 33830-9223
Document Number	0107161593
Book / Page	010716 / 001593
Instrument Date	Jan 4, 2019
Instrument	3294
Transaction Type	Transfer
Record Updated	Jan 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 HIGHLAND ST BARTOW FL 338309223, BARTOW, FL 33830-9223

Mortgage

Document Number	107161595
Date	Jan 7, 2019
Book Page	010716/001595
Instrument	3295

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3403 HIGHLAND ST, BARTOW, FL 33830-9223
Document Number	0105542187
Instrument Date	Jul 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1314 EAGLE LAKE FL 338391314, EAGLE LAKE, FL 33839-1314

Mortgage

Document Number	0105542187
Date	Jul 20, 2018
Book Page	010554/002187
Instrument	154745

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LAKELAND, FL 33802-8009

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 19, 2033

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3403 HIGHLAND ST, BARTOW, FL 33830-9223
Document Number	0105942012
Instrument Date	Jun 13, 2016
Transaction Type	Mortgage
Record Updated	Sep 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 HIGHLAND ST BARTOW FL 338309223, BARTOW, FL 33830-9223

Mortgage

Document Number	0105942012
Date	Aug 28, 2018
Book Page	010594/002012
Instrument	183239

Lender

Name	ROBERT W GATES
Address	4804 INDEPENDENCE DR, BRADENTON, FL 34210-1925

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 3403 Highland St was $1,488 with a homeowner's exemption.

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		$164,618 (+2.7%)	$240,654 (+10.25%) Land $50,000 Building $190,654
2025	$1,488.00 Homeowner's exemption	$160,290	$218,279 Land $30,000 Building $188,279
2023	$1,924.00 (+4.23%) Homeowner's exemption	$151,236 (+3%)	$226,896 (+21.68%) Land $21,000 Building $205,896
2022	$1,846.00 Homeowner's exemption	$146,831	$186,468 Land $17,500 Building $168,968

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

Flood

FEMA maps place 3403 Highland St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	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

Wildfire risk around 3403 Highland St is moderate, ranking above 66% 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 66% of the US · above 43% 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.

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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