Polk County property record for 645 E Church St, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,510 sqft · built 1910 |
| Lot Size | 0.479 acres (20,848 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $725,000 (Jul 2025) |
| Tax Bill | $2,843 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-05-371000-003010 |
| Primary APN | 25-30-05-371000-003010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,510 sqft Living Area |
| 1st Floor Area | 2,012 sqft |
| Upper Floors Area | 1,498 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 20,848 sqft (0.479 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 1,444 sqft |
| Pool Type | Enclosed Pool |
| Porch | Unfinished Open Porch |
| Porch Area | 930 sqft |
| Cooling System | Central |
|---|
| Street Address | 610 E DAVIDSON ST |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | XX |
| Legal Description | LYTLES 2ND ADD DB J PG 345 BLK 3 LESS S 102.75 FT |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 05 |
| Legal Subdivision | LYTLES 2ND ADDITION |
| Legal Tract | 371000 |
| Legal Block | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 15000 |
645 E Church St is owned by two individuals who acquired it in August 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 E CHURCH ST, BARTOW, FL 33830-4010 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2025 · Amount on File |
| Deed Sale | Jul 24, 2025 · Amount on File |
| Prior Sale | May 28, 2021 · Amount on File |
| Deed Document Number | 2025172446 |
| Deed Book / Page | 13635 / 2179 |
| Last Transfer Date | Aug 8, 2025 |
| Transfer Doc | 0000211293 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 645 E Church St was $2,843.
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 | $600,919 (+201.41%) Land $101,954 Building $498,965 | $600,919 (+11.69%) Land $101,954 Building $498,965 | |
| 2025 | $2,843.00 | $199,372 | $538,041 Land $97,077 Building $440,964 |
| 2023 | $1,628.00 (+19.09%) Homeowner's exemption | $109,874 (+3%) | $382,179 (+20.57%) Land $22,386 Building $359,793 |
| 2022 | $1,367.00 Homeowner's exemption | $106,674 | $316,979 Land $18,979 Building $298,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 645 E Church St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.
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 Claims | 2 (1995–2004) |
| 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.
The area around 645 E Church St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 235 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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