345 Bearcreek Dr, Bartow, FL 33830 Property Records

Polk County property record for 345 Bearcreek Dr, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,093 sqft · built 1956
Lot Size	0.301 acres (13,107 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jun 2022)
Tax Bill	$2,970 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-30-06-385600-004070`

Property Details

APN / Parcel Number

Primary APN	`25-30-06-385600-004070`
Alternative APN	`063025385600004070`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,093 sqft Living Area
1st Floor Area	1,093 sqft
Flooring	Concrete/Cement
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2005
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Other
Lot Area	13,107 sqft (0.301 acres)
Lot Dimensions	119 ft deep x 98 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	346 sqft
Utility Building	110 sqft

Location & Zoning

Street Address	345 BEARCREEK DR
City	BARTOW
State	FL
Zip	33830-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHLAND MANOR UNIT 1 PB 39 PG 43 BLK D LOT 7
Legal Range	25E
Legal Township	30S
Legal Section	06
Legal Subdivision	RICHLAND MANOR UNIT NO 1
Legal Block	D
Legal Lot Number	7
Legal Unit	1
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3013
Census Tract	15000

Owner

345 Bearcreek Dr is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	345 BEARCREEK DR, BARTOW, FL 33830-3313
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2022 · Amount on File
Deed Sale	Jun 8, 2022 · Amount on File
Prior Sale	Apr 9, 2018 · Amount on File
Deed Document Number	2022156123
Deed Book / Page	12287 / 2081
Prior Transfer Date	Oct 31, 2008
Prior Transfer Doc	0000190085
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 8, 2022
Property Address	345 BEARCREEK DR, BARTOW, FL 33830-3313
Document Number	0000156123
Book / Page	12287 / 2081
Map Reference	MB 39 PG 43
Instrument Date	Jun 6, 2022
Instrument	2022156123
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	SMART TITLE II LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6027 SUNSET VISTA DR, 6027, LAKELAND, FL 33812-4441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 BEARCREEK DR, BARTOW, FL 33830-3313

Mortgage

Document Number	0122872083
Date	Jun 8, 2022
Instrument	12287/2083

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 345 Bearcreek Dr was $2,970 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Bartow City
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		$199,546 (-3.28%) Land $24,000 Building $175,546	$199,546 (-3.28%) Land $24,000 Building $175,546
2025	$2,970.00 Homeowner's exemption	$206,311 Land $24,000 Building $182,311	$206,311 Land $24,000 Building $182,311
2023	$3,313.00 (+111.02%) Homeowner's exemption	$206,587 (+69.09%) Land $23,000 Building $183,587	$206,587 (+10.79%) Land $23,000 Building $183,587
2022	$1,570.00	$122,174	$186,471 Land $19,000 Building $167,471

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 345 Bearcreek Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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 345 Bearcreek Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 187 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20