5551 Russo Rd, Bartow, FL 33830 Property Records

Polk County property record for 5551 Russo Rd, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,012 sqft · built 1997
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,000 (Oct 2015)
Tax Bill	$343 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-30-31-000000-012080`

Property Details

APN / Parcel Number

Primary APN	`26-30-31-000000-012080`
Alternative APNs	`313026000000012080` `13026000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,012 sqft Living Area
1st Floor Area	1,012 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	87,120 sqft
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	2,019 sqft
Carport	Carport
Carport Area	2,019 sqft
Porch	Unfinished Open Porch
Porch Area	248 sqft
Shed	1 Shed

Location & Zoning

Street Address	5551 RUSSO RD
City	BARTOW
State	FL
Zip	33830-8903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANDS LYING IN SECS 31 & 32 FURTHER DESC AS: COMM AT SE COR OF NE 1/4 OF SEC 31 RUN N ALONG E LINE OF SAID NE 1/4 150.09 FT TO POB S 89 DEG 33 MIN 51 SEC W 280.5 FT S 295.16 FT N 89 DEG 33 MIN 51 SEC E 295.16 FT N 295.16 FT S 89 DEG 33 MIN 51 SEC W 1
Legal Range	26E
Legal Township	30S
Legal Section	31
Legal Subdivision	ALAMEDA HEIGHTS
Legal Tract	000000
Legal Block	2
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2032
Census Tract	15301

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 Record	2 Individual Names on Record
Mailing Address	5551 RUSSO RD, BARTOW, FL 33830-8903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit MIDLAND CU
Apr 18, 2018	Loan Modification, Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2015 · Amount on Record
Deed Sale	Oct 29, 2015 · Amount on Record
Prior Sale	Dec 30, 2005 · Amount on Record
Deed Document Number	2015195920
Deed Book / Page	9663 / 442
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	5551 RUSSO RD, BARTOW, FL 33830-8903
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014579
Date	Jan 19, 2023
Book Page	12556/185
Instrument	2023014579

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Nov 15, 2032

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	5551 RUSSO RD, BARTOW, FL 33830-8903
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000285671
Date	Oct 31, 2022
Book Page	12468/37
Instrument	2022285671

Lender

Name	MIDLAND CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 15, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	5551 RUSSO RD, BARTOW, FL 33830-8903
Document Number	0104971086
Instrument Date	Apr 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5551 RUSSO RD BARTOW FL 338308903, BARTOW, FL 33830-8903

Mortgage

Document Number	0104971086
Date	May 25, 2018
Book Page	010497/001086
Instrument	112960

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
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		$61,045 (+13.43%)	$156,148 (+1.94%) Land $53,500 Building $102,648
2025	$343.00 (-58.22%) Homeowner's exemption	$53,819 (+5.99%)	$153,173 (+5.93%) Land $53,500 Building $99,673
2023	$821.00 (+5.12%) Homeowner's exemption	$50,779 (+3%)	$144,594 (+53.8%) Land $51,500 Building $93,094
2022	$781.00 Homeowner's exemption	$49,300	$94,012 Land $18,200 Building $75,812

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2004)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2004 · Hurricane Frances

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 Risk	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.5% 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 FORT MEADE serves 5,455 people · EPA ID FL6530320
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	2 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	3 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MORnet Communications Fixed Wireless	25 / 10
Verizon Fixed Wireless	25 / 6

May also be available: Rapid Systems.

Cell Coverage

5G and 4G LTE (outdoors only)

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