413 Gandy Cemetery Rd, Bartow, FL 33830 Property Records

Polk County property record for 413 Gandy Cemetery Rd, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,819 sqft · built 2022
Lot Size	1.02 acres (44,444 sqft)
Owner	2 Individual Names on File
Last Sale	$475,100 (Aug 2022)
Tax Bill	$7,649 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-363485-000110`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363485-000110`
Alternative APN	`352925363485000110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,819 sqft Living Area
Gross Area	3,303 sqft
1st Floor Area	2,819 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	44,444 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	484 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	299 sqft
Shed	1 Shed
Lean-To	204 sqft

Location & Zoning

Street Address	413 GANDY CEMETERY RD
City	BARTOW
State	FL
Zip	33830-8751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEAN RANCH PB 182 PGS 47-48 LOT 11
Legal Range	25E
Legal Township	29S
Legal Section	35
Legal Subdivision	DEAN RANCH
Legal Block	2
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2021
Census Tract	14501

Owner

413 Gandy Cemetery Rd is owned and occupied by two individuals who bought it in August 2022.

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	2 Individual Names on File
Mailing Address	413 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION
Apr 28, 2023	Deed of Trust, Mortgage · FHA Mortgage MICHIGAN MUTUAL INC
Aug 23, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Feb 24, 2022	Warranty Deed, Transfer INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Feb 24, 2022 · Amount on File
Deed Document Number	2022229357
Deed Book / Page	12390 / 762
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jun 4, 2026
Property Address	413 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Document Number	0000133596
Book / Page	14025 / 131
Instrument Date	May 28, 2026
Instrument	2026133596
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 GANDY CEMETERY RD, BARTOW, FL 33830-8751

Mortgage

Document Number	0000133596,
Date	Jun 4, 2026
Book Page	14025/131
Instrument	2026133596

Lender

Name	SUNCOAST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	413 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 GANDY CEMETERY RD, BARTOW, FL 33830-8751

Mortgage

Document Number	0000098775
Date	Apr 28, 2023
Book Page	12670/597
Instrument	2023098775

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 23, 2022
Property Address	413 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Document Number	0000229357
Book / Page	12390 / 762
Map Reference	MB 182 PG 47&48
Instrument Date	Aug 19, 2022
Instrument	2022229357
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.70
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	413 GANDY CEMETERY RD, BARTOW, FL 33830-8751

Mortgage

Document Number	0012390763
Date	Aug 23, 2022
Instrument	12390/763

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 24, 2022
Property Address	413 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Document Number	0000050082
Book / Page	12131 / 1019
Map Reference	MB 182 PG 47&48
Instrument Date	Feb 23, 2022
Instrument	2022050082
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount on Record
Tax	$448.00
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	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Tax Assessment & Valuation

The 2025 property tax bill for 413 Gandy Cemetery Rd was $7,649 with a homeowner's exemption, up % from the year before.

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		$475,133 (+2.58%) Land $68,000 Building $407,133	$475,133 (+2.58%) Land $68,000 Building $407,133
2025	$7,649.00 (+0.03%)	$463,195 Land $68,000 Building $395,195	$463,195 Land $68,000 Building $395,195
2024	$7,647.00 (-2.51%)
2023	$7,844.00 (+737.14%) Homeowner's exemption	$448,306 (+762.13%)	$481,293 (+825.56%) Land $62,000 Building $419,293
2022	$937.00	$52,000 Land $52,000	$52,000 Land $52,000

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 413 Gandy Cemetery Rd in Zone X, an area of minimal flood risk, within 500 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 413 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 Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.5% 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 28 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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