Polk County property record for 638 Renay Ct, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 950 sqft · built 1992 |
| Lot Size | 0.233 acres (10,163 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (May 2022) |
| Tax Bill | $1,718 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Feb 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-29-35-363482-000320 |
| Primary APN | 25-29-35-363482-000320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 950 sqft Living Area |
| Gross Area | 1,327 sqft |
| 1st Floor Area | 950 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,163 sqft (0.233 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 377 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 56 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 638 RENAY CT |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-8606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GANDY GROVE ESTATES PHASE TWO PB 95 PG 2 LOT 32 |
| Legal Range | 25E |
| Legal Township | 29S |
| Legal Section | 35 |
| Legal Subdivision | GANDY GROVE ESTATES PHASE 02 |
| Legal Phase | 2 |
| Legal Tract | 363482 |
| Legal Block | 2 |
| Legal Lot Number | 32 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 14501 |
638 Renay Ct is owned and occupied by an individual who bought it in May 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 638 RENAY CT, BARTOW, FL 33830-8606 |
| 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 |
|---|---|
| May 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK |
| Feb 11, 2022 | Warranty Deed, Transfer FLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TTL INC |
| Sep 17, 2018 | Loan Modification, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2022 · Amount on File |
| Deed Sale | May 31, 2022 · Amount on File |
| Prior Sale | Feb 11, 2022 · Amount on File |
| Deed Document Number | 2022148279 |
| Deed Book / Page | 12275 / 1945 |
| Prior Transfer Date | Feb 9, 2022 |
| Prior Transfer Doc | 0000039318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 31, 2022 |
| Property Address | 638 RENAY CT, BARTOW, FL 33830-8606 |
| Document Number | 0000148279 |
| Book / Page | 12275 / 1945 |
| Map Reference | MB 95 PG 2 |
| Instrument Date | May 27, 2022 |
| Instrument | 2022148279 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2022 |
| Title Company | FLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TTL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15030 PORTO BELLO STREET, 15030, BOKEELIA, FL 33922 |
| Name | Verified Name |
|---|---|
| Address | 638 RENAY CT, BARTOW, FL 33830-8606 |
| Document Number | 0122751946 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 12275/1946 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 11, 2022 |
| Property Address | 638 RENAY CT, BARTOW, FL 33830-8606 |
| Document Number | 0000039318 |
| Book / Page | 12114 / 1854 |
| Map Reference | MB 95 PG 2 |
| Instrument Date | Feb 9, 2022 |
| Instrument | 2022039318 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2022 |
| Title Company | FLORIDA PROFESSIONAL TITLE INC, FLORIDA PROFESSIONAL TTL INC |
| Amount | Amount on Record |
|---|---|
| Tax | $980.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 638 RENAY CT, 638, BARTOW, FL 33830-8606 |
| Name | Verified Name |
|---|---|
| Address | 15030 PORTO BELLO STREET, BOKEELIA, FL 33922 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 638 RENAY CT, BARTOW, FL 33830-8606 |
| Document Number | 0106671449 |
| Instrument Date | Sep 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2018 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 638 RENAY CT BARTOW FL 338308606, BARTOW, FL 33830-8606 |
| Document Number | 0106671449 |
|---|---|
| Date | Nov 9, 2018 |
| Book Page | 010667/001449 |
| Instrument | 236460 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 8, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 638 Renay Ct was $1,718 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $177,820 (+2.7%) | $188,857 (+5.56%) Land $40,000 Building $148,857 | |
| 2025 | $1,718.00 Homeowner's exemption | $173,145 | $178,903 Land $25,000 Building $153,903 |
| 2023 | $2,843.00 (+198.01%) | $179,439 (+133.18%) Land $8,900 Building $170,539 | $179,439 (+30.36%) Land $8,900 Building $170,539 |
| 2022 | $954.00 | $76,953 | $137,649 Land $7,400 Building $130,249 |
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.
FEMA maps place 638 Renay Ct in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1979.
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 File median of 13 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 23 (1979–2022) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 638 Renay Ct is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 176 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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