3895 Gandy Rd, Bartow, FL 33830 Property Records

Polk County property record for 3895 Gandy Rd, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 816 sqft · built 1960
Lot Size	0.518 acres (22,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,800 (Oct 2003)
Tax Bill	$316 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2016 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-000000-034170`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-000000-034170`
Alternative APNs	`352925000000034170` `52925000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	22,568 sqft (0.518 acres)
View / Lot	Commercial/Industrial
Porch	Enclosed/Unfinished Porch
Porch Area	400 sqft
Shed	1 Shed

Location & Zoning

Street Address	3895 GANDY RD
City	BARTOW
State	FL
Zip	33830-8705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	BEG AT NE COR OF SW1/4 OF NW1/4 RUN W 160 FT S 272.25 FT E 160 FT N 272.25 FT TO POB LESS S 136.12 FT & LESS MAINT R/W
Legal Range	25E
Legal Township	29S
Legal Section	35
Legal Subdivision	DIETZ
Legal Tract	000000
Legal Block	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2018
Census Tract	14501

Owner

Source: Polk County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3895 GANDY RD, BARTOW, FL 33830-8705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Nov 3, 2016	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2003 · Amount on Record
Deed Sale	Oct 29, 2003 · Amount on Record
Prior Sale	Dec 18, 2002 · Amount on Record
Deed Document Number	2003219007
Deed Book / Page	5563 / 2125
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3895 GANDY RD, BARTOW, FL 33830-8705
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3895 GANDY RD, BARTOW, FL 33830-8705

Mortgage

Document Number	0000245377
Date	Sep 21, 2021
Book Page	11900/1725
Instrument	2021245377

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2046

November 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	3895 GANDY RD, BARTOW, FL 33830-8705
Document Number	0100391298
Instrument Date	Nov 3, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3895 E GANDY RD BARTOW FL 338308705, BARTOW, FL 33830-8705

Mortgage

Document Number	0100391298
Date	Jan 17, 2017
Book Page	010039/001298
Instrument	8901

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$316.00 (-59.17%) Homeowner's exemption	$49,501 (+5.99%)	$129,135 (-0.21%) Land $12,953 Building $116,182
2023	$774.00 (+6.32%) Homeowner's exemption	$46,705 (+3%)	$129,405 (+14.8%) Land $12,434 Building $116,971
2022	$728.00 Homeowner's exemption	$45,345	$112,719 Land $10,258 Building $102,461

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 64% of the US · lower than 60% 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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