Polk County property record for 540 E Lemon St, Bartow, FL 33830 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,738 sqft Living Area |
| Lot Size | 10,851 sqft (0.249 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $295,000 (2025) |
| Tax Bill | $3,866.00 (2025) |
| Primary APN | 25-30-08-415000-003032 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,738 sqft Living Area |
| 1st Floor | 1,738 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 10,851 sqft (0.249 acres) |
| Garage Type | Detached Garage |
| Garage Area | 540 sqft Garage |
| Porch Area | 45 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 540 E LEMON ST |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-4824 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | VARN W R ADD DB E PG 371 BLK 3 LOT 3 SE1/4 & E 2 FT OF SW1/4 & BLK 3 LOT 4 W 8 FT OF S1/2 |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 08 |
| Legal Subdivision | VARN W R ADDITION |
| Legal Tract | 415000 |
| Legal Block | 3 |
| Legal Lot Number | 3,4 |
| Jurisdiction | POLK FL |
| Minor Civil Division | BARTOW |
| Census Blockgroup | 2 |
| Census Block | 2034 |
| Census Tract | 15102 |
Source: Polk County records · APN 25-30-08-415000-003032
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 540 E LEMON ST, BARTOW, FL 33830-4824 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 28, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERICAN FINANCING CORP |
| Jul 09, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage AMERICAN LIBERTY MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 05, 2025 · Amount on Record |
| Deed Sale | May 05, 2025 · Amount on Record |
| Prior Sale | Jul 09, 2019 · Amount on Record |
| Deed Doc Number | 2025103781 |
| Deed Book / Page | 13533 / 984 |
| Prior Transfer Date | Jul 01, 2019 |
| Prior Transfer Doc | 0109010245 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 540 E LEMON ST, BARTOW, FL 33830-4824 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 540 E LEMON ST, BARTOW, FL 33830-4824 |
| Document Number | 0000053929 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 12137/624 |
| Instrument | 2022053929 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 09, 2019 |
| Property Address | 540 E LEMON ST, BARTOW, FL 33830-4824 |
| Document Number | 0109010245 |
| Book / Page | 010901 / 000245 |
| Instrument Date | Jul 01, 2019 |
| Instrument | 142497 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2019 |
| Title Company | FLORIDA PROFESSIONAL TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,022.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 E LEMON ST BARTOW FL 338304824, BARTOW, FL 33830-4824 |
| Document Number | 109010247 |
|---|---|
| Date | Jul 09, 2019 |
| Book Page | 010901/000247 |
| Instrument | 142498 |
| Name | AMERICAN LIBERTY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 08, 2049 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Bartow City |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,866.00 (-5.36%) | $209,910 (-2.25%) | $218,073 (+1.55%) Land $23,851 Building $194,222 |
| 2024 | $4,085.00 (+8.99%) | ||
| 2023 | $3,748.00 (+21.65%) | $214,746 (+14.16%) Land $22,808 Building $191,938 | $214,746 (+14.16%) Land $22,808 Building $191,938 |
| 2022 | $3,081.00 | $188,114 Land $20,308 Building $167,806 | $188,114 Land $20,308 Building $167,806 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 7% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 3,448 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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