3921 Joseph Rd, Bartow, FL 33830 Property Records

Polk County property record for 3921 Joseph Rd, Bartow, FL 33830

Property Summary

Property Type	Duplex
Details	1 bd · 1 ba · 1,542 sqft · built 1957
Lot Size	0.121 acres (5,253 sqft)
Owner	Individual Name on File
Last Sale	$248,000 (May 2023)
Tax Bill	$3,481 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-23-362000-003100`

Property Details

APN / Parcel Number

Primary APN	`25-29-23-362000-003100`
Alternative APNs	`232925362000003100` `32925000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Units	3 Units
Stories	1 Story
Building Area	1,542 sqft Living Area
Gross Area	2,022 sqft
1st Floor Area	1,542 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2001
Architectural Style	Duplex Single
Roof Material	Other
Lot Area	5,253 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
View / Lot	Lake
Porch	Screened Porch
Canopy	36 sqft

Location & Zoning

Street Address	3921 JOSEPH RD
City	BARTOW
State	FL
Zip	33830-9700
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	JOHNSONS J H SUB PB 32 PG 15 BLK C LOT 10
Legal Subdivision	JOHNSONS J H SUBDIVISION
Legal Tract	362000
Legal Block	C
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1049
Census Tract	14704

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 File
Mailing Address	1530 LAKESIDE DR, BARTOW, FL 33830-6904
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 27, 2019	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BK
Feb 15, 2019	Warranty Deed, Transfer ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS
Feb 18, 2019	Warranty Deed, Construction Loan · Construction Mortgage DIANA BELL
Jan 20, 2017	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2023 · Amount on File
Deed Sale	May 10, 2023 · Amount on File
Prior Sale	Feb 18, 2019 · Amount on File
Deed Document Number	2023109098
Deed Book / Page	12685 / 1784
Prior Transfer Date	Aug 7, 2008
Prior Transfer Doc	0000141657
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 10, 2023
Property Address	3921 JOSEPH RD, BARTOW, FL 33830-9700
Document Number	0000109098
Book / Page	12685 / 1784
Map Reference	MB 32 PG 15
Instrument Date	Apr 28, 2023
Instrument	2023109098
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,736.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 S KENTUCKY AVE STE 215, 215, LAKELAND, FL 33801-5089

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1530 LAKESIDE DR, BARTOW, FL 33830-6904

Mortgage

Document Number	0126851785
Date	May 10, 2023
Instrument	12685/1785

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3921 JOSEPH RD, BARTOW, FL 33830-9700
Document Number	0109990960
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	GOLDEN RULE TITLE LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2126 E EDGEWOOD DR #401 LAKELAND FL 338033645, 401, LAKELAND, FL 33803-3645

Mortgage

Document Number	0109990960
Date	Oct 8, 2019
Book Page	010999/000960
Instrument	212947

Lender

Name	CENTENNIAL BK
Type	Bank
Address	ZEPHYRHILLS, FL 33542

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 7, 2029

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 15, 2019
Property Address	3921 JOSEPH RD, BARTOW, FL 33830-9700
Document Number	0107530166
Book / Page	010753 / 000166
Instrument Date	Feb 8, 2019
Instrument	32278
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$511.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1420 CALM WATERS CT ST CLOUD FL 347718874, ST CLOUD, FL 34771-8874

February 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 18, 2019
Property Address	3921 JOSEPH RD, BARTOW, FL 33830-9700
Document Number	0107540052
Book / Page	010754 / 000052
Instrument Date	Feb 8, 2019
Instrument	33107
Transaction Type	Construction Loan
Record Updated	Mar 1, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$629.30

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5129 S LAKELAND DR #4 LAKELAND FL 338132599, 4, LAKELAND, FL 33813-2599

Mortgage

Document Number	107540054
Date	Feb 18, 2019
Book Page	010754/000054
Instrument	33108

Lender

Name	DIANA BELL
Address	13191 STARKEY RD # 2, LARGO, FL 33773-1438

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 17, 2020

Interest

Rate	8%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3921 JOSEPH RD, BARTOW, FL 33830-9700
Document Number	0100481573
Book / Page	010048 / 001573
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9508 WATERFORD OAKS BLVD WINTER HAVEN FL 338843297, WINTER HAVEN, FL 33884-3297

Mortgage

Document Number	0100481573
Date	Jan 26, 2017
Book Page	010048/001573
Instrument	16232

Lender

Name	MIDFLORIDA FCU
Type	Credit Union
Address	LAKELAND, FL 33801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$244,800 (-9.09%) Land $6,200 Building $114,871	$244,800 (-9.09%) Land $6,200 Building $114,871
2025	$3,481.00 (+27.28%)	$269,280 (+106.69%) Land $6,200 Building $117,084	$269,280 (+106.69%) Land $6,200 Building $117,084
2023	$2,735.00 (+8.7%)	$130,282 (+7.67%) Land $6,000 Building $124,282	$130,282 (+7.67%) Land $6,000 Building $124,282
2022	$2,516.00	$121,005 Land $5,000 Building $116,005	$121,005 Land $5,000 Building $116,005

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 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

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

3921 Joseph Rd, Bartow, FL 33830 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2019: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2019: Warranty Deed, Construction Loan

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2017: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Joseph Rd

Nearby Streets

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