Polk County property record for 655 E Church St, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,160 sqft · built 1910 |
| Lot Size | 0.202 acres (8,786 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $408,000 (Feb 2022) |
| Tax Bill | $5,806 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-05-371000-002050 |
| Primary APN | 25-30-05-371000-002050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,160 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 1,020 sqft |
| Upper Floors Area | 900 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,786 sqft (0.202 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 750 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 360 sqft |
| Street Address | 655 E CHURCH ST |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-4047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LYTLES 2ND ADDITION DB J PG 345 BLK 2 LOTS 5 THRU 7 |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 05 |
| Legal Subdivision | LYTLES 2ND ADDITION |
| Legal Tract | 371000 |
| Legal Block | 2 |
| Legal Lot Number | 5-7 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 15000 |
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 | 655 E CHURCH ST, BARTOW, FL 33830-4047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Jun 15, 2020 | Deed of Trust, Mortgage · Conventional with PMI FLAGSTAR BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2022 · Amount on Record |
| Deed Sale | Feb 18, 2022 · Amount on Record |
| Prior Sale | Apr 25, 2007 · Amount on Record |
| Deed Document Number | 202245953 |
| Deed Book / Page | 12124 / 2264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 18, 2022 |
| Property Address | 655 E CHURCH ST, BARTOW, FL 33830-4047 |
| Document Number | 0000045953 |
| Book / Page | 12124 / 2264 |
| Map Reference | MB J PG 345 |
| Instrument Date | Feb 15, 2022 |
| Instrument | 2022045953 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2022 |
| Title Company | SMART TITLE II LLC, SMART TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,856.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2417 FUSSED RD, 2417, POLK CITY, FL 33868 |
| Name | Verified Name |
|---|---|
| Address | 62 COUNTY RD, HILLSBOROUGH, NH 03244-4102 |
| Document Number | 0121242266 |
|---|---|
| Date | Feb 18, 2022 |
| Instrument | 12124/2266 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 655 E CHURCH ST, BARTOW, FL 33830-4047 |
| Document Number | 0112751577 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 655 E CHURCH ST BARTOW FL 338304047, BARTOW, FL 33830-4047 |
| Document Number | 0112751577 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 011275/001577 |
| Instrument | 125850 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 23, 2050 |
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 | $324,221 (+1.71%) Land $43,920 Building $280,301 | $324,221 (+1.71%) Land $43,920 Building $280,301 | |
| 2025 | $5,806.00 (-6.98%) | $318,765 (-0.72%) Land $41,724 Building $277,041 | $318,765 (-0.72%) Land $41,724 Building $277,041 |
| 2023 | $6,242.00 (+68.25%) | $321,078 (+51.24%) Land $20,203 Building $300,875 | $321,078 (+51.24%) Land $20,203 Building $300,875 |
| 2022 | $3,710.00 | $212,291 Land $17,129 Building $195,162 | $212,291 Land $17,129 Building $195,162 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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