Polk County property record for 495 S Orange Ave, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,240 sqft · built 1890 |
| Lot Size | 0.252 acres (10,964 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $306,500 (Jun 2025) |
| Tax Bill | $4,543 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-05-379000-001152 |
| Primary APN | 25-30-05-379000-001152 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Living Area |
| 1st Floor Area | 1,616 sqft |
| Upper Floors Area | 400 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Shingles |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,964 sqft (0.252 acres) |
| View / Lot | Commercial/Industrial |
| Porch | Florida Room |
| Porch Area | 344 sqft |
| Street Address | 495 S ORANGE AVE |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-4948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GAYS ADDITION PB 1 PG 9B BLK 1 LOT 15 E 100.5 FT & LOT 16 E 100.5 FT LESS RD R/W |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 05 |
| Legal Subdivision | GAYS ADDITION |
| Legal Tract | 379000 |
| Legal Block | 1 |
| Legal Lot Number | 15,16 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 15200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the South Bartow Residential District listed 1993 · 204 contributing resources · NRIS 93000394 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 495 S ORANGE AVE, BARTOW, FL 33830-4948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HAMILTON HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2025 · Amount on Record |
| Deed Sale | Jun 6, 2025 · Amount on Record |
| Prior Sale | Dec 14, 2001 |
| Deed Document Number | 2025132518 |
| Deed Book / Page | 13576 / 9 |
| Transfer Doc | 4874000946 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 23, 2026 |
| Property Address | 495 S ORANGE AVE, BARTOW, FL 33830-4948 |
| Document Number | 0000149394 |
| Book / Page | 14048 / 21 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 2026149394 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 495 S ORANGE AVE, BARTOW, FL 33830-4948 |
| Document Number | 0000149394, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 14048/21 |
| Instrument | 2026149394 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 495 S ORANGE AVE, BARTOW, FL 33830-4948 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND |
| Name | Verified Name |
|---|---|
| Address | 495 S ORANGE AVE, BARTOW, FL 33830-4948 |
| Document Number | 0000168653 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 11781/2256 |
| Instrument | 2021168653 |
| Name | HAMILTON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
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 | $248,010 (-0.56%) Land $52,847 Building $195,163 | $248,010 (-0.56%) Land $52,847 Building $195,163 | |
| 2025 | $4,543.00 (+412.75%) | $249,416 (+340.64%) Land $50,395 Building $199,021 | $249,416 (+2.44%) Land $50,395 Building $199,021 |
| 2023 | $886.00 (+23.57%) Homeowner's exemption | $56,603 (+3%) | $243,487 (+16.62%) Land $24,885 Building $218,602 |
| 2022 | $717.00 Homeowner's exemption | $54,954 | $208,792 Land $21,057 Building $187,735 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 345 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: Spectrum, Verizon.
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