3964 Shay Dr, Bartow, FL 33830 Property Records

Polk County property record for 3964 Shay Dr, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1994
Lot Size	0.232 acres (10,115 sqft)
Owner	Individual Name on File
Tax Bill	$1,514 (2025)
Deeds & Mortgages	Dec 2022 Transfer Dec 2016 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-363483-000410`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363483-000410`
Alternative APNs	`352925363483000410` `52925000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	1,377 sqft
1st Floor Area	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	10,115 sqft (0.232 acres)
Lot Dimensions	116 ft deep x 86 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	377 sqft
Porch	Unfinished Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3964 SHAY DR
City	BARTOW
State	FL
Zip	33830-8797
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GANDY GROVE ESTATES PHASE THREE PB 96 PG 28 LOT 41
Legal Range	25E
Legal Township	29S
Legal Section	35
Legal Subdivision	GANDY GROVE ESTATES PHASE 03
Legal Phase	3
Legal Tract	363483
Legal Block	2
Legal Lot Number	41
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2015
Census Tract	14501

Owner

3964 Shay Dr is owned and occupied by an individual who acquired it in March 2016.

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	3964 SHAY DR, BARTOW, FL 33830-8797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Intrafamily Transfer, Transfer
Dec 9, 2016	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2016
Deed Sale	Mar 1, 2016
Prior Sale	Dec 2, 2003 · Amount on File
Deed Book / Page	9769 / 2083
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Dec 27, 2022
Property Address	3964 SHAY DR, BARTOW, FL 33830-8797
Document Number	0000331838
Book / Page	12530 / 484
Map Reference	MB 96 PG 28
Instrument Date	Dec 27, 2022
Instrument	2022331838
Transaction Type	Transfer
Record Updated	Jan 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3964 SHAY DR, BARTOW, FL 33830-8797

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3964 SHAY DR, BARTOW, FL 33830-8797

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	3964 SHAY DR, BARTOW, FL 33830-8797
Document Number	0100311151
Instrument Date	Dec 9, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3964 SHAY DR BARTOW FL 338308797, BARTOW, FL 33830-8797

Mortgage

Document Number	0100311151
Date	Jan 6, 2017
Book Page	010031/001151
Instrument	2685

Lender

Name	WELLS FARGO BK
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3964 Shay Dr was $1,514 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		$161,588 (+2.7%)	$174,976 (+6.78%) Land $40,000 Building $134,976
2025	$1,514.00 Homeowner's exemption	$157,340	$163,861 Land $25,000 Building $138,861
2023	$2,074.00 (+174.7%) Homeowner's exemption	$161,688 (+233.79%) Land $8,900 Building $152,788	$161,688 (+18.22%) Land $8,900 Building $152,788
2022	$755.00 Homeowner's exemption	$48,440	$136,763 Land $7,400 Building $129,363

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

Flood

FEMA maps place 3964 Shay Dr in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1979.

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 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 3964 Shay Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 65% 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.

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 176 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

Cell Coverage

5G (outdoors only) and 4G LTE

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