437 Gandy Cemetery Rd, Bartow, FL 33830 Property Records

Polk County property record for 437 Gandy Cemetery Rd, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,427 sqft · built 2021
Lot Size	0.994 acres (43,316 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Sep 2023)
Tax Bill	$6,566 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-363485-000070`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363485-000070`
Alternative APN	`352925363485000070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,427 sqft Living Area
Gross Area	2,847 sqft
1st Floor Area	2,427 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	43,316 sqft (0.994 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	240 sqft

Location & Zoning

Street Address	437 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 7
Legal Range	25E
Legal Township	29S
Legal Section	35
Legal Subdivision	DEAN RANCH
Legal Block	2
Legal Lot Number	7
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2021
Census Tract	14501

Owner

437 Gandy Cemetery Rd is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	437 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Sep 19, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 28, 2021	Warranty Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	May 28, 2021 · Amount on File
Deed Document Number	2023220755
Deed Book / Page	12842 / 1916
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Apr 9, 2026
Property Address	437 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Document Number	0000083824
Book / Page	13951 / 163
Instrument Date	Mar 30, 2026
Instrument	202683824
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	POST CLOSING

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 GANDY CEMETERY RD, BARTOW, FL 33830-8751

Mortgage

Document Number	0000083824,
Date	Apr 9, 2026
Book Page	13951/163
Instrument	202683824

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 19, 2023
Property Address	437 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Document Number	0000220755
Book / Page	12842 / 1916
Map Reference	MB 182 PG 47&48
Instrument Date	Sep 12, 2023
Instrument	2023220755
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4419 OAKGLEN RD, LAKELAND, FL 33813-1827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 GANDY CEMETERY RD, BARTOW, FL 33830-8751

Mortgage

Document Number	0128421918
Date	Sep 19, 2023
Instrument	12842/1918

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 28, 2021
Property Address	437 GANDY CEMETERY RD, BARTOW, FL 33830-8751
Document Number	0000139266
Book / Page	11735 / 1648
Map Reference	MB 182 PG 47&48
Instrument Date	May 24, 2021
Instrument	2021139266
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC

Transaction

Amount	Amount on Record
Tax	$448.00
Amount Accuracy	Rounded by County
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	5911 CRYSTAL BEACH RD, WINTER HAVEN, FL 33880-4982

Mortgage

Document Number	0117351649
Date	May 28, 2021
Instrument	11735/1649

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 437 Gandy Cemetery Rd was $6,566 with a homeowner's exemption, up 2.8% 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		$401,803 (-0.48%) Land $68,000 Building $333,803	$401,803 (-0.48%) Land $68,000 Building $333,803
2025	$6,566.00 (+2.83%)	$403,747 Land $68,000 Building $335,747	$403,747 Land $68,000 Building $335,747
2024	$6,385.00 (+3.18%)
2023	$6,188.00 (+13.21%) Homeowner's exemption	$358,377 (+3%)	$402,748 (+11.85%) Land $62,000 Building $340,748
2022	$5,466.00 Homeowner's exemption	$347,939	$360,088 Land $52,000 Building $308,088

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

Flood

FEMA maps place 437 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 437 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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