705 E Church St, Bartow, FL 33830 Property Records

Polk County property record for 705 E Church St, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,124 sqft · built 1898
Lot Size	0.339 acres (14,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Oct 2026)
Tax Bill	$3,902 (2025)
Deeds & Mortgages	Oct 2026 Sale Feb 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-30-05-371000-001080`

Property Details

APN / Parcel Number

Primary APN	`25-30-05-371000-001080`
Alternative APNs	`053025371000001080` `53025000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	3,124 sqft Living Area
1st Floor Area	1,975 sqft
Upper Floors Area	1,149 sqft
Flooring	Tile
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	14,754 sqft (0.339 acres)
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	506 sqft
Carport	Carport
Carport Area	506 sqft

Exterior Amenities

Porch	Slab
Porch Area	386 sqft
Shed	1 Shed
Utility Building	161 sqft

Location & Zoning

Street Address	705 E CHURCH ST
City	BARTOW
State	FL
Zip	33830-4012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	XX
Legal Description	LYTLES 2ND ADD DB J PG 345 BLK 1 LOTS 8 TO 11 & 12 TO 15 LESS S 75 FT
Legal Range	25E
Legal Township	30S
Legal Section	05
Legal Subdivision	LYTLES 2ND ADDITION
Legal Tract	371000
Legal Block	1
Legal Lot Number	8-11
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2028
Census Tract	15000

Owner

Source: Polk County records, as of October 19, 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	705 E CHURCH ST, BARTOW, FL 33830-4012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Warranty Deed, Transfer UNITED TITLE, UNITED TITLE GROUP OF LAKELAND
Feb 17, 2025	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
May 17, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Aug 4, 2017	Warranty Deed, Transfer FRANKLIN AMERICAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2026 · Amount on Record
Deed Sale	Oct 7, 2026 · Amount on Record
Prior Sale	Aug 4, 2017 · Amount on Record
Deed Document Number	2026241460
Deed Book / Page	14180 / 220
Prior Transfer Date	May 9, 2022
Prior Transfer Doc	0000134340
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 7, 2026
Property Address	705 E CHURCH ST, BARTOW, FL 33830-4012
Document Number	0000241460
Book / Page	14180 / 220
Instrument Date	Sep 18, 2026
Instrument	2026241460
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	UNITED TITLE, UNITED TITLE GROUP OF LAKELAND

Transaction

Amount	Amount Recorded
Tax	$385,315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 E CHURCH ST, BARTOW, FL 33830-4012

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	705 E CHURCH ST, BARTOW, FL 33830-4012
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035966
Date	Feb 17, 2025
Book Page	13435/1699
Instrument	2025035966

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 15, 2040

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	May 17, 2022
Property Address	705 E CHURCH ST, BARTOW, FL 33830-4012
Document Number	0000134340
Book / Page	12256 / 903
Map Reference	MB J PG 345
Instrument Date	May 9, 2022
Instrument	2022134340
Transaction Type	Transfer
Record Updated	May 30, 2022
Title Company	TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS GROUP OF FL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1511 MELROSE CIR, 1511, RICHARDSON, TX 75080-3001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 E CHURCH ST, BARTOW, FL 33830-4012

Mortgage

Document Number	0012256905
Date	May 17, 2022
Instrument	12256/905

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 4, 2017
Property Address	705 E CHURCH ST, BARTOW, FL 33830-4012
Document Number	0102240731
Book / Page	010224 / 000731
Instrument Date	Jul 31, 2017
Instrument	148914
Transaction Type	Transfer
Record Updated	Aug 21, 2017
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	705 E CHURCH ST BARTOW FL 338304012, BARTOW, FL 33830-4012

Mortgage

Document Number	102240733
Date	Aug 4, 2017
Book Page	010224/000733
Instrument	148915

Lender

Name	FRANKLIN AMERICAN MTG
Type	Mortgage Company
Address	PITTSBURGH, PA 15220

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Bartow City
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$264,453 (+2.7%)	$391,323 (-1.04%) Land $64,018 Building $327,305
2025	$3,902.00 (-4.29%) Homeowner's exemption	$257,500 (+5.99%)	$395,422 (+0.74%) Land $61,756 Building $333,666
2023	$4,077.00 (+14.23%) Homeowner's exemption	$242,954 (+3%)	$392,528 (+16.4%) Land $28,465 Building $364,063
2022	$3,569.00 Homeowner's exemption	$235,878	$337,233 Land $24,014 Building $313,219

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.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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