Polk County property record for 695 S Oak Ave, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,341 sqft · built 1910 |
| Lot Size | 0.456 acres (19,863 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,900 (Jun 2024) |
| Tax Bill | $4,520 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-08-415000-004042 |
| Primary APN | 25-30-08-415000-004042 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,341 sqft Living Area |
| 1st Floor Area | 1,990 sqft |
| Upper Floors Area | 1,351 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Shingles |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 19,863 sqft (0.456 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 120 sqft |
| Shed | 1 Shed |
| Street Address | 695 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 4 S 100 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 | 4 |
| 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.
695 S Oak Ave is owned and occupied by two individuals who bought it in June 2024.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 695 S OAK AVE, BARTOW, FL 33830-4844 |
| 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 |
|---|---|
| Jun 11, 2026 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION |
| Mar 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ALKAN MORTGAGE CORP |
| Mar 13, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2024 · Amount on File |
| Deed Sale | Jun 12, 2024 · Amount on File |
| Prior Sale | Mar 13, 2018 · Amount on File |
| Deed Document Number | 2024135068 |
| Deed Book / Page | 13149 / 1385 |
| Prior Transfer Date | Jan 28, 2015 |
| Prior Transfer Doc | 0000016252 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 11, 2026 |
| Property Address | 695 S OAK AVE, BARTOW, FL 33830-4844 |
| Document Number | 0000140052 |
| Book / Page | 14034 / 2168 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 2026140052 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 695 S OAK AVE, BARTOW, FL 33830-4844 |
| Document Number | 0000140052, |
|---|---|
| Date | Jun 11, 2026 |
| Book Page | 14034/2168 |
| Instrument | 2026140052 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 15, 2046 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 695 S OAK AVE, BARTOW, FL 33830-4844 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 695 S OAK AVE, BARTOW, FL 33830-4844 |
| Document Number | 0000069473 |
|---|---|
| Date | Mar 24, 2026 |
| Book Page | 13929/672 |
| Instrument | 2026069473 |
| Name | ALKAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 13, 2018 |
| Property Address | 695 S OAK AVE, BARTOW, FL 33830-4844 |
| Document Number | 0104201696 |
| Book / Page | 010420 / 001696 |
| Instrument Date | Mar 5, 2018 |
| Instrument | 53643 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2018 |
| Title Company | SMART TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 695 S OAK AVE BARTOW FL 338304844, BARTOW, FL 33830-4844 |
| Document Number | 104201698 |
|---|---|
| Date | Mar 13, 2018 |
| Book Page | 010420/001698 |
| Instrument | 53644 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 12, 2048 |
The 2025 property tax bill for 695 S Oak Ave was $4,520 with a homeowner's exemption, up 8% from the year before.
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 | $295,556 (+1.42%) Land $32,863 Building $262,693 | $295,556 (+1.42%) Land $32,863 Building $262,693 | |
| 2025 | $4,520.00 (+80.01%) | $291,407 Land $32,863 Building $258,544 | $291,407 Land $32,863 Building $258,544 |
| 2024 | $2,511.00 (+6.53%) | ||
| 2023 | $2,357.00 (+16.51%) Homeowner's exemption | $149,531 (+3%) | $430,955 (+21.38%) Land $31,370 Building $399,585 |
| 2022 | $2,023.00 Homeowner's exemption | $145,176 | $355,057 Land $28,870 Building $326,187 |
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 695 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 695 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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