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407 Gandy Cemetery Rd, Bartow, FL 33830 Property Records

Polk County property record for 407 Gandy Cemetery Rd, Bartow, FL 33830

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,634 sqft · built 2022
Lot Size1.82 acres (79,510 sqft)
Owner2 Individual Names on File
Last Sale$615,000 (Jun 2024)
Tax Bill$7,363 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-29-35-363485-000120

Property Details

APN / Parcel Number

Primary APN25-29-35-363485-000120
Alternative APN
  • 352925363485000120

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,634 sqft Living Area
Gross Area3,118 sqft
1st Floor Area2,634 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area79,510 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area484 sqft
PorchScreened/Unfinished Porch
Porch Area36 sqft

Location & Zoning

Street Address407 GANDY CEMETERY RD
CityBARTOW
StateFL
Zip33830-8751
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDEAN RANCH PB 182 PGS 47-48 LOT 12
Legal Range25E
Legal Township29S
Legal Section35
Legal SubdivisionDEAN RANCH
Legal Block2
Legal Lot Number12
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2021
Census Tract14501

Owner

407 Gandy Cemetery Rd is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record2 Individual Names on File
Mailing Address407 GANDY CEMETERY RD, BARTOW, FL 33830-8751
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleJun 19, 2024 · Amount on File
Deed SaleJun 19, 2024 · Amount on File
Prior SaleSep 9, 2021 · Amount on File
Deed Document Number2024141520
Deed Book / Page13159 / 60
Record UpdatedOct 29, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 9, 2021
Property Address407 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Document Number0000234646
Book / Page11883 / 1427
Map ReferenceMB 182 PG 47&48
Instrument DateSep 3, 2021
Instrument2021234646
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyINSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

AmountAmount on Record
Tax$448.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 1632, EAGLE LAKE, FL 33839-1632

Mortgage

Document Number0118831428
DateSep 9, 2021
Instrument11883/1428
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term369 Months
DueJun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 407 Gandy Cemetery Rd was $7,363 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
MunicipalityBartow City
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$459,593 (+2.7%)$480,005 (+7.26%) Land $74,800 Building $405,205
2025$7,363.00 Homeowner's exemption$447,510 Land $74,800 Building $372,710$447,510 Land $74,800 Building $372,710
2023$8,099.00 (+689.38%) Homeowner's exemption$462,179 (+708.01%)$480,573 (+740.16%) Land $68,200 Building $412,373
2022$1,026.00$57,200 Land $57,200$57,200 Land $57,200

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

Flood

FEMA maps place 407 Gandy Cemetery Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims23 (1979–2022)
Claims Outside the SFHA3 of 23
Most Recent ClaimSep 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 407 Gandy Cemetery Rd is high, ranking above 73% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire RiskHigh
above 73% of the US · above 57% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
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 SystemCITY OF BARTOW
serves 21,501 people · EPA ID FL6530315
Water SourceGroundwater
Last State InspectionNov 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 28 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Xfinity
Cable		1,200 / 35
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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