4040 Gandy Rd, Bartow, FL 33830 Property Records

Polk County property record for 4040 Gandy Rd, Bartow, FL 33830 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,098 sqft · built 2019
Lot Size	4.67 acres (203,652 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jul 2018)
Tax Bill	$2,836 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jul 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-000000-031060`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-000000-031060`
Alternative APNs	`352925000000031060` `52925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,098 sqft Living Area
Gross Area	2,673 sqft
1st Floor Area	2,098 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	203,652 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	575 sqft
Porch	Screened/Unfinished Porch
Porch Area	464 sqft

Location & Zoning

Street Address	4040 GANDY RD
City	BARTOW
State	FL
Zip	33830-9423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SE COR OF W1/2 OF NE1/4 OF NW1/4 OF SEC RUN N89-42-42W 389 FT N00-19-56W 560.46 FT TO S BNDRY OF LOT 31 OF PEACE RIVER ESTATES SECOND ADDITION AS REC IN PB 61 PG 15 RUN S89-38-10E ALONG S BNDRY THEREOF 389 FT TO SE COR OF LOT 29 OF SAID PEACE RIV
Legal Range	25E
Legal Township	29S
Legal Section	35
Legal Subdivision	DIETZ
Legal Tract	D
Legal Block	2
Legal Lot Number	31
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2013
Census Tract	14501

Owner

Source: Polk County records · APN 25-29-35-000000-031060

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	4040 GANDY RD, BARTOW, FL 33830-9423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2018	Deed of Trust, Mortgage MIDFLORIDA CU ISAOA
Jul 20, 2018	Warranty Deed, Transfer SMART TITLE
Apr 10, 2018	Warranty Deed, Transfer HILLSBOROUGH TITLE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Apr 10, 2018 · Amount on Record
Deed Document Number	2018154744
Deed Book / Page	10554 / 2185
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4040 GANDY RD, BARTOW, FL 33830-9423
Document Number	0107020689
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2858 THORNHILL RD WINTER HAVEN FL 338801037, WINTER HAVEN, FL 33880-1037

Mortgage

Document Number	0107020689
Date	Dec 19, 2018
Book Page	010702/000689
Instrument	262542

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 20, 2018
Property Address	4040 GANDY RD, BARTOW, FL 33830-9423
Document Number	0105542185
Book / Page	010554 / 002185
Instrument Date	Jul 17, 2018
Instrument	154744
Transaction Type	Transfer
Record Updated	Aug 03, 2018
Title Company	SMART TITLE

Transaction

Amount	Amount Recorded
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 1314 EAGLE LAKE FL 338391314, EAGLE LAKE, FL 33839-1314

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 10, 2018
Property Address	4040 GANDY RD, BARTOW, FL 33830-9423
Document Number	0104482025
Book / Page	010448 / 002025
Instrument Date	Apr 04, 2018
Instrument	75428
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount Recorded
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1530 HARBOR WAY BARTOW FL 338309774, BARTOW, FL 33830-9774

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,836.00 (-10.42%) Homeowner's exemption	$259,588 (+5.99%)	$372,693 (-3.4%) Land $102,854 Building $269,839
2023	$3,166.00 (+2.93%) Homeowner's exemption	$244,924 (+3%)	$385,805 (+14.85%) Land $100,517 Building $285,288
2022	$3,076.00 Homeowner's exemption	$237,790	$335,918 Land $84,154 Building $251,764

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050145012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Ian
Claims By Storm	Hurricane Frances, Sep 2004 · 13 claims

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	About 1 in 373 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 90 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gandy Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures