550 S Oak Ave, Bartow, FL 33830 Property Records

Polk County property record for 550 S Oak Ave, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,902 sqft · built 1955
Lot Size	0.46 acres (20,020 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Sep 2013)
Tax Bill	$674 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-30-08-416000-000020`

Property Details

APN / Parcel Number

Primary APN	`25-30-08-416000-000020`
Alternative APNs	`083025416000000020` `83025000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,902 sqft Living Area
Gross Area	2,333 sqft
1st Floor Area	1,902 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	20,020 sqft (0.46 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	431 sqft
Porch	Screened/Unfinished Porch
Porch Area	96 sqft
Utility Building	91 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	550 S OAK AVE
City	BARTOW
State	FL
Zip	33830-4841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	REYNOLDS J C SUB DB I PG 153 LOTS 2 3 & 6 & N 7.5 FT OF CLOSED ALLEY S OF 6 & W 8 FT OF CLOSED ALLEY E OF LOTS 2 3 & 6
Legal Range	25E
Legal Township	30S
Legal Section	08
Legal Subdivision	REYNOLDS J C SUBDIVISION
Legal Tract	416000
Legal Block	1
Legal Lot Number	2
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1016
Census Tract	15200

Historic Designation

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.

Owner

550 S Oak Ave is owned and occupied by an individual who bought it in September 2013.

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

Owner of Record	Individual Name on File
Mailing Address	550 S OAK AVE, BARTOW, FL 33830-4841
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2013 · Amount on File
Deed Sale	Sep 20, 2013 · Amount on File
Prior Sale	Aug 10, 2004 · Amount on File
Deed Document Number	2013175033
Deed Book / Page	9067 / 1376
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	550 S OAK AVE, BARTOW, FL 33830-4841
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 OAK AVE, BARTOW, FL 33830-4841

Mortgage

Document Number	0000131567
Date	May 20, 2021
Book Page	11723/1940
Instrument	2021131567

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 550 S Oak Ave was $674 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Bartow City
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,438 (+2.7%)	$254,449 (-1.47%) Land $33,020 Building $221,429
2025	$674.00 Homeowner's exemption	$80,271	$258,238 Land $33,020 Building $225,218
2023	$941.00 (+20.49%) Homeowner's exemption	$75,737 (+3%)	$252,422 (+19.01%) Land $31,519 Building $220,903
2022	$781.00 Homeowner's exemption	$73,531	$212,100 Land $29,019 Building $183,081

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 550 S Oak Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 550 S Oak Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 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