Polk County property record for 545 Phoenicia Ave, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,096 sqft · built 1953 |
| Lot Size | 0.239 acres (10,402 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Jun 2020) |
| Tax Bill | $3,102 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Jun 2020 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-07-400300-005070 |
| Primary APN | 25-30-07-400300-005070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,096 sqft Living Area |
| Gross Area | 2,324 sqft |
| 1st Floor Area | 2,096 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,402 sqft (0.239 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 228 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 322 sqft |
| Cooling System | None |
|---|
| Street Address | 545 PHOENICIA AVE |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-4438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | AZALEA PARK PB 34 PG 17 BLK 5 LOT 7 |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 07 |
| Legal Subdivision | AZALEA PARK |
| Legal Tract | 400300 |
| Legal Block | 5 |
| Legal Lot Number | 7 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 15101 |
545 Phoenicia Ave is owned and occupied by two individuals who bought it in June 2020.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 545 PHOENICIA AVE, BARTOW, FL 33830-4438 |
| 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.
| Date | Document |
|---|---|
| Oct 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 15, 2020 | Warranty Deed, Transfer · FHA Mortgage REAL EST MTG NTWK |
| May 22, 2020 | Deed of Trust, Construction Loan · Construction Mortgage ALC LENDING LLC |
| Dec 2, 2019 | Warranty Deed, Construction Loan · Line of Credit ALC LENDING LLC |
| Apr 23, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Jun 20, 2018 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2020 · Amount on File |
| Deed Sale | Jun 15, 2020 · Amount on File |
| Prior Sale | Dec 2, 2019 · Amount on File |
| Deed Document Number | 2020118770 |
| Deed Book / Page | 11266 / 333 |
| Prior Transfer Date | Jun 19, 2018 |
| Prior Transfer Doc | 0000131218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 545 PHOENICIA AVE, BARTOW, FL 33830-4438 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 545 PHOENICIA AVE, BARTOW, FL 33830-4438 |
| Document Number | 0000262836 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 12437/123 |
| Instrument | 2022262836 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 333 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 15, 2020 |
| Property Address | 545 PHOENICIA AVE, BARTOW, FL 33830-4438 |
| Document Number | 0112660333 |
| Book / Page | 011266 / 000333 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 118770 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2020 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 545 PHOENICIA AVE BARTOW FL 338304438, BARTOW, FL 33830-4438 |
| Document Number | 112660337 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 011266/000337 |
| Instrument | 118772 |
| Name | REAL EST MTG NTWK |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 14, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 22, 2020 |
| Property Address | 545 PHOENICIA AVE, BARTOW, FL 33830-4438 |
| Document Number | 0112420204 |
| Book / Page | 011242 / 000204 |
| Instrument Date | May 14, 2020 |
| Instrument | 102810 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 17426 TAILFEATHER CT CLERMONT FL 347115911, CLERMONT, FL 34711-5911 |
| Document Number | 112420204 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 011242/000204 |
| Instrument | 102810 |
| Name | ALC LENDING LLC |
|---|---|
| Address | 1110 BRICKELL AVE # 430, MIAMI, FL 33131-3152 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 21, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 2, 2019 |
| Property Address | 545 PHOENICIA AVE, BARTOW, FL 33830-4438 |
| Document Number | 0110591821 |
| Book / Page | 011059 / 001821 |
| Instrument Date | Sep 25, 2019 |
| Instrument | 254807 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 28, 2020 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 17426 TAITFEATHER CT CLERMONT FL 34711, CLERMONT, FL 34711 |
| Document Number | 110900728 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 011090/000728 |
| Instrument | 275901 |
| Name | ALC LENDING LLC |
|---|---|
| Address | 1110 BRICKELL AVE # 430, MIAMI, FL 33131-3152 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 1, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 23, 2019 |
| Property Address | 545 PHOENICIA AVE, BARTOW, FL 33830-4438 |
| Document Number | 0108171125 |
| Book / Page | 010817 / 001125 |
| Instrument Date | Feb 21, 2019 |
| Instrument | 81770 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 20, 2018 |
| Property Address | 545 PHOENICIA AVE, BARTOW, FL 33830-4438 |
| Document Number | 0105221223 |
| Book / Page | 010522 / 001223 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 131218 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 5, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $550.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 6101 CONDOR DR MOORPARK CA 930212602, MOORPARK, CA 93021-2602 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 545 Phoenicia Ave was $3,102 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 | $219,347 (+2.7%) | $264,991 (+1.74%) Land $19,402 Building $245,589 | |
| 2025 | $3,102.00 Homeowner's exemption | $213,580 | $260,454 Land $19,402 Building $241,052 |
| 2023 | $3,314.00 (+14.91%) Homeowner's exemption | $201,516 (+3%) | $262,075 (+4.68%) Land $18,882 Building $243,193 |
| 2022 | $2,884.00 Homeowner's exemption | $195,647 | $250,370 Land $15,814 Building $234,556 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 545 Phoenicia Ave 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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 risk around 545 Phoenicia Ave is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
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 223 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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