3917 Legacy Ln, Bartow, FL 33830 Property Records

Polk County property record for 3917 Legacy Ln, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,246 sqft · built 2025
Lot Size	0.243 acres (10,568 sqft)
Owner	2 Individual Names on File
Last Sale	$98,000 (Feb 2025)
Tax Bill	$1,366 (2025)
Deeds & Mortgages	Feb 2025 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`24-29-36-292210-000780`

Property Details

APN / Parcel Number

Primary APN	`24-29-36-292210-000780`
Alternative APN	`362924292210000780`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,246 sqft Living Area
Gross Area	2,646 sqft
1st Floor Area	2,246 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,568 sqft (0.243 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch

Location & Zoning

Street Address	3917 LEGACY LN
City	BARTOW
State	FL
Zip	33830-3093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES FARMS PHASE ONE PB 209 PGS 7-12 LOT 78
Legal Subdivision	JAMES FARMS PHASE ONE
Legal Lot Number	78
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1036
Census Tract	14803

Owner

3917 Legacy Ln is owned by two individuals who bought it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	19927 S EDINBURGH LN, FRANKFORT, IL 60423-6923
Owner Type	Individual
Vesting	Husband and Wife

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	Feb 27, 2025 · Amount on File
Deed Sale	Feb 27, 2025 · Amount on File
Deed Document Number	202544046
Deed Book / Page	13446 / 1624
Record Updated	Oct 29, 2026

February 2025: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 27, 2025
Property Address	3917 LEGACY LN, BARTOW, FL 33830-3093
Document Number	0000044046
Book / Page	13446 / 1624
Map Reference	MB 209 PG 7-12
Instrument Date	Feb 24, 2025
Instrument	2025044046
Transaction Type	Construction Loan
Record Updated	Jan 13, 2026
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$686.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19927 S EDINBURGH LN, FRANKFORT, IL 60423-6923

Mortgage

Document Number	0134461626
Date	Feb 27, 2025
Instrument	13446/1626

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	369 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3917 Legacy Ln was $1,366.

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		$306,963 (+309.28%) Land $75,000 Building $231,963	$306,963 (+309.28%) Land $75,000 Building $231,963
2025	$1,366.00	$75,000 Land $75,000	$75,000 Land $75,000

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

Flood

FEMA maps place 3917 Legacy Ln 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
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 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 3917 Legacy Ln is high, ranking above 81% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 70% of Florida
Wildfire Likelihood	0.7% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20