Polk County property record for 655 W Valencia Ct, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,212 sqft · built 1955 |
| Lot Size | 0.209 acres (9,087 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,533,714 (Feb 2023) |
| Tax Bill | $2,807 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-18-429900-004160 |
| Primary APN | 25-30-18-429900-004160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,212 sqft Living Area |
| Gross Area | 1,092 sqft |
| 1st Floor Area | 1,092 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Tar & Gravel |
| Lot Area | 9,087 sqft (0.209 acres) |
| Lot Dimensions | 107 ft deep x 85 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 48 sqft |
| Utility Building | 100 sqft |
| Street Address | 655 W VALENCIA CT |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-7031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | BELLAIRE PARK PB 38 PGS 29 30 BLK D LOT 16 S18 T30 R25 |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 18 |
| Legal Subdivision | BELLAIRE PARK |
| Legal Tract | 429900 |
| Legal Block | D |
| Legal Lot Number | 16 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 15101 |
655 W Valencia Ct is owned and occupied by two individuals who bought it in February 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 655 W VALENCIA CT, BARTOW, FL 33830-7031 |
| 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 |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT |
| Feb 23, 2023 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Jan 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Jan 10, 2019 | Deed of Trust, Mortgage · FHA Mortgage LENDUS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 23, 2023 · Amount on File |
| Deed Sale | Feb 23, 2023 · Amount on File |
| Prior Sale | Oct 24, 2016 · Amount on File |
| Deed Document Number | 202343730 |
| Deed Book / Page | 12592 / 1463 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 14, 2026 |
| Property Address | 655 W VALENCIA CT, BARTOW, FL 33830-7031 |
| Document Number | 0000167848 |
| Book / Page | 14075 / 1887 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 2026167848 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 655 W VALENCIA CT, BARTOW, FL 33830-7031 |
| Document Number | 0000167848, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 14075/1887 |
| Instrument | 2026167848 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 320 Months |
| Due | Mar 1, 2053 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 23, 2023 |
| Property Address | 655 W VALENCIA CT, BARTOW, FL 33830-7031 |
| Document Number | 0000043730 |
| Book / Page | 12592 / 1463 |
| Map Reference | MB 38 PG 29 |
| Instrument Date | Feb 23, 2023 |
| Instrument | 2023043730 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,736.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 655 W VALENCIA CT, BARTOW, FL 33830-7031 |
| Name | Verified Name |
|---|---|
| Address | 3427 S POLK AVE, LAKELAND, FL 33803-4800 |
| Document Number | 0125921464 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 12592/1464 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 655 W VALENCIA CT, BARTOW, FL 33830-7031 |
| Document Number | 0115351953 |
| Instrument Date | Jan 2, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 655 W VALENCIA CT BARTOW FL 338307031, BARTOW, FL 33830-7031 |
| Document Number | 0115351953 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 011535/001953 |
| Instrument | 8969 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 11, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 655 W VALENCIA CT, BARTOW, FL 33830-7031 |
| Document Number | 0107241854 |
| Instrument Date | Jan 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Title Company | FIRST INT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 655 W VALENCIA CT BARTOW FL 338307031, BARTOW, FL 33830-7031 |
| Document Number | 0107241854 |
|---|---|
| Date | Jan 16, 2019 |
| Book Page | 010724/001854 |
| Instrument | 9745 |
| Name | LENDUS LLC |
|---|---|
| Address | ALAMO, CA 94507 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 15, 2049 |
The 2025 property tax bill for 655 W Valencia Ct was $2,807 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 | $175,965 (-10.84%) Land $19,500 Building $156,465 | $175,965 (-10.84%) Land $19,500 Building $156,465 | |
| 2025 | $2,807.00 Homeowner's exemption | $197,359 Land $19,500 Building $177,859 | $197,359 Land $19,500 Building $177,859 |
| 2023 | $2,949.00 (+18.67%) | $172,331 (+5.94%) Land $19,000 Building $153,331 | $172,331 (+5.94%) Land $19,000 Building $153,331 |
| 2022 | $2,485.00 | $162,673 Land $16,000 Building $146,673 | $162,673 Land $16,000 Building $146,673 |
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 655 W Valencia Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 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 655 W Valencia Ct is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 348 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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