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470 W Clower St, Bartow, FL 33830 Property Records

Polk County property record for 470 W Clower St, Bartow, FL 33830

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,428 sqft · built 1963
Lot Size0.161 acres (7,000 sqft)
OwnerIndividual Name on Record
Last Sale$285,000 (Jun 2022)
Tax Bill$1,265 (2025)
Deeds & MortgagesJun 2022 Sale & Mortgage
Jun 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-30-07-394500-003051

Property Details

APN / Parcel Number

Primary APN25-30-07-394500-003051
Alternative APNs
  • 073025394500003051
  • 73025000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,428 sqft Living Area
1st Floor Area892 sqft
Upper Floors Area536 sqft
FlooringTerrazzo
Interior WallsWood

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2018
Exterior MaterialCombination
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area7,000 sqft (0.161 acres)
Lot Dimensions100 ft deep x 70 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area276 sqft
CarportCarport
Carport Area276 sqft

Exterior Amenities

PorchEnclosed/Unfinished Porch
Porch Area139 sqft
Shed1 Shed
Utility Building54 sqft

Location & Zoning

Street Address470 W CLOWER ST
CityBARTOW
StateFL
Zip33830-7115
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionWESTOVER PARK PB 20 PG 43 & 2ND REPLAT WESTOVER PK PB 31 PG 54 BLK C LOTS 5 E 70 FT & E 70 FT OF 6
Legal Range25E
Legal Township30S
Legal Section07
Legal SubdivisionWESTOVER PARK AND 2ND REPLAT WESTOVER PK
Legal Tract394500
Legal BlockC
Legal Lot Number5
JurisdictionPOLK FL
Township / Civil DivisionBARTOW
Census Block Group2
Census Block2037
Census Tract15101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address470 W CLOWER ST, BARTOW, FL 33830-7115
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 8, 2022Warranty Deed, Transfer · FHA Mortgage
GUILD MORTGAGE CO
Jun 5, 2020Warranty Deed, Transfer · FHA Mortgage
PARAMOUNT RESID'L MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 8, 2022 · Amount on Record
Deed SaleJun 8, 2022 · Amount on Record
Prior SaleJun 5, 2020 · Amount on Record
Deed Document Number2022156266
Deed Book / Page12288 / 108
Prior Transfer DateFeb 9, 2012
Prior Transfer Doc0000024577
Record UpdatedOct 29, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 8, 2022
Property Address470 W CLOWER ST, BARTOW, FL 33830-7115
Document Number0000156266
Book / Page12288 / 108
Map ReferenceMB 31 PG 54
Instrument DateJun 6, 2022
Instrument2022156266
Transaction TypeTransfer
Record UpdatedJun 23, 2022
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address130 E LAKE ELBERT DR NE, 130, WINTER HAVEN, FL 33881-4363

Transferred To (Grantee/Buyer)

NameVerified Name
Address470 W CLOWER ST, BARTOW, FL 33830-7115

Mortgage

Document Number0012288110
DateJun 8, 2022
Instrument12288/110
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 5, 2020
Property Address470 W CLOWER ST, BARTOW, FL 33830-7115
Document Number0112551200
Book / Page011255 / 001200
Instrument DateMay 28, 2020
Instrument111713
Transaction TypeTransfer
Record UpdatedJun 30, 2020
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,365.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address470 W CLOWER ST BARTOW FL 338307115, BARTOW, FL 33830-7115

Mortgage

Document Number112551205
DateJun 5, 2020
Book Page011255/001205
Instrument111715
Lender
NamePARAMOUNT RESID'L MTG
TypeMortgage Company
AddressCORONA, CA 92879
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 4, 2050

Mortgage

Document Number112570388,
DateJun 5, 2020
Book Page011257/000388
Instrument112877
Lender
NameHOUSING FIN AGCY
AddressTALLAHASSEE, FL 32301-1329
Agreement
AmountAmount Recorded
Term360 Months
DueJun 4, 2050

Tax Assessment & Valuation

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$115,776 (+2.7%)$195,573 (-7.73%) Land $18,200 Building $177,373
2025$1,265.00 (-15.95%) Homeowner's exemption$112,732 (+5.99%)$211,959 (-0.36%) Land $18,200 Building $193,759
2023$1,505.00 (-21.74%) Homeowner's exemption$106,364 (-24.86%)$212,728 (+32.49%) Land $17,500 Building $195,228
2022$1,923.00$141,554$160,559 Land $14,651 Building $145,908

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force

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

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

Wildfire RiskModerate
above 46% of the US · lower than 82% of Florida
Wildfire Likelihood0.1% 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 348 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
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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