Polk County property record for 615 S Oak Ave, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,528 sqft · built 1920 |
| Lot Size | 0.319 acres (13,874 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Sep 2018) |
| Tax Bill | $4,261 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-08-415000-004011 |
| Primary APN | 25-30-08-415000-004011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,528 sqft Living Area |
| 1st Floor Area | 2,158 sqft |
| Upper Floors Area | 1,370 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 13,874 sqft (0.319 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 480 sqft |
| Carport | Carport |
| Carport Area | 480 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 306 sqft |
| Shed | 1 Shed |
| Cooling System | None |
|---|
| Street Address | 615 S OAK AVE |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-4844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | VARN W R ADD DB E PG 371 BLK 4 LOT 1 N1/2 LESS W 59 FT |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 08 |
| Legal Subdivision | VARN W R ADDITION |
| Legal Tract | 415000 |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 15102 |
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.
615 S Oak Ave is owned and occupied by two individuals who bought it in September 2018.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 615 S OAK AVE, BARTOW, FL 33830-4844 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Sep 13, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Apr 12, 2017 | Deed of Trust, Mortgage · Conventional with PMI NTFN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2018 · Amount on File |
| Deed Sale | Sep 13, 2018 · Amount on File |
| Prior Sale | Apr 18, 2017 · Amount on File |
| Deed Document Number | 2018194666 |
| Deed Book / Page | 10610 / 2152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 615 S OAK AVE, BARTOW, FL 33830-4844 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 615 S OAK AVE, BARTOW, FL 33830-4844 |
| Document Number | 0000161719 |
|---|---|
| Date | Jun 14, 2022 |
| Book Page | 12295/1150 |
| Instrument | 2022161719 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Mar 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 615 S OAK AVE, BARTOW, FL 33830-4844 |
| Document Number | 0113740156 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 615 S OAK AVE BARTOW FL 338304844, BARTOW, FL 33830-4844 |
| Document Number | 0113740156 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 011374/000156 |
| Instrument | 190743 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 13, 2018 |
| Property Address | 615 S OAK AVE, BARTOW, FL 33830-4844 |
| Document Number | 0106102152 |
| Book / Page | 010610 / 002152 |
| Instrument Date | Sep 12, 2018 |
| Instrument | 194666 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2018 |
| Title Company | HOME SOLUTION TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,415.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4706 BROOKSHIRE CT LAKE WALES FL 338987630, LAKE WALES, FL 33898-7630 |
| Document Number | 106102154 |
|---|---|
| Date | Sep 13, 2018 |
| Book Page | 010610/002154 |
| Instrument | 194667 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 12, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 615 S OAK AVE, BARTOW, FL 33830-4844 |
| Document Number | 0101200055 |
| Book / Page | 010120 / 000055 |
| Instrument Date | Apr 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 615 S OAK AVE BARTOW FL 338304844, BARTOW, FL 33830-4844 |
| Document Number | 0101200055 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 010120/000055 |
| Instrument | 72062 |
| Name | NTFN |
|---|---|
| Address | LEWISVILLE, TX 75087 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 17, 2032 |
The 2025 property tax bill for 615 S Oak Ave was $4,261 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 | $284,678 (+2.7%) | $539,086 (-2.14%) Land $26,874 Building $512,212 | |
| 2025 | $4,261.00 Homeowner's exemption | $277,194 | $550,856 Land $26,874 Building $523,982 |
| 2023 | $4,419.00 (+13.98%) Homeowner's exemption | $261,536 (+3%) | $457,200 (+26.88%) Land $25,680 Building $431,520 |
| 2022 | $3,877.00 Homeowner's exemption | $253,918 | $360,339 Land $23,180 Building $337,159 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 615 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 | 2 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 615 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.
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 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 |
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