Polk County property record for 449 Gandy Cemetery Rd, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,819 sqft · built 2022 |
| Lot Size | 1.13 acres (49,332 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $64,011 (Jan 2022) |
| Tax Bill | $7,912 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-35-363485-000050 |
| Primary APN | 25-29-35-363485-000050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,819 sqft Living Area |
| Gross Area | 3,303 sqft |
| 1st Floor Area | 2,819 sqft |
| 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 | 49,332 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 299 sqft |
| Shed | 1 Shed |
| Street Address | 449 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 5 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 35 |
| Legal Subdivision | DEAN RANCH |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 14501 |
449 Gandy Cemetery Rd is owned and occupied by two individuals who bought it in January 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 449 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2022 · Amount on File |
| Deed Sale | Jan 11, 2022 · Amount on File |
| Deed Document Number | 20228112 |
| Deed Book / Page | 12066 / 1668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 11, 2022 |
| Property Address | 449 GANDY CEMETERY RD, BARTOW, FL 33830-8751 |
| Document Number | 0000008112 |
| Book / Page | 12066 / 1668 |
| Map Reference | MB 182 PG 47&48 |
| Instrument Date | Jan 7, 2022 |
| Instrument | 2022008112 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 5, 2024 |
| Title Company | INSURED R/E TITLE SERVICES, INSURED RE TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $448.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480 |
| Name | Verified Name |
|---|---|
| Address | 4105 SUN VILLAGE CT, MULBERRY, FL 33860-4526 |
| Document Number | 0120661669 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 12066/1669 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 369 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 449 Gandy Cemetery Rd was $7,912 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Bartow City |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $490,541 (+2.7%) | $498,390 (+4.34%) Land $68,000 Building $430,390 | |
| 2025 | $7,912.00 Homeowner's exemption | $477,645 Land $68,000 Building $409,645 | $477,645 Land $68,000 Building $409,645 |
| 2023 | $8,334.00 (+789.43%) Homeowner's exemption | $474,972 (+813.41%) | $482,293 (+827.49%) Land $62,000 Building $420,293 |
| 2022 | $937.00 | $52,000 Land $52,000 | $52,000 Land $52,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 449 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
|
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 risk around 449 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.
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 |
| 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.
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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