725 N Oak Ave, Bartow, FL 33830 Property Records

Polk County property record for 725 N Oak Ave, Bartow, FL 33830

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 1,815 sqft · built 1981
Lot Size	0.189 acres (8,215 sqft)
Owner	Company Name on File
Last Sale	$940,000 (Aug 2006)
Tax Bill	$3,303 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-30-05-384520-000070`

Property Details

APN / Parcel Number

Primary APN	`25-30-05-384520-000070`
Alternative APNs	`053025384520000070` `53025000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	1,815 sqft Living Area
1st Floor Area	1,815 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Architectural Style	Duplex Single
Lot Area	8,215 sqft (0.189 acres)
View / Lot	Lake

Location & Zoning

Street Address	725 N OAK AVE
City	BARTOW
State	FL
Zip	33830-3855
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	VERDEE SUBDIVISION PB 70 PG 1 LOT 7
Legal Range	25E
Legal Township	30S
Legal Section	05
Legal Subdivision	VERDEE SUBDIVISION
Legal Block	2
Legal Lot Number	7
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2006
Census Tract	15000

Owner

725 N Oak Ave, a duplex, is owned by a company that bought it in August 2006.

Source: Polk County records, as of September 28, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 547945, ORLANDO, FL 32854-7945
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Jun 17, 2022	Warranty Deed, Transfer
Jan 6, 2020	Loan Modification, Mortgage ALPHA R/E LNDG
Dec 31, 2019	Warranty Deed, Construction Loan · Construction Mortgage ALPHA R/E LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2006 · Amount on File
Deed Sale	Aug 10, 2006 · Amount on File
Prior Sale	Aug 10, 2006
Deed Document Number	2006197769
Deed Book / Page	6915 / 1071
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	725 N OAK AVE, BARTOW, FL 33830-3855
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000172651
Date	Jul 2, 2021
Book Page	11787/1282
Instrument	2021172651

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 17, 2022
Property Address	725 N OAK AVE, BARTOW, FL 33830-3855
Document Number	0000166048
Book / Page	12301 / 1185
Map Reference	MB 70 PG 1
Instrument Date	Jun 13, 2022
Instrument	2022166048
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 352, WINDERMERE, FL 34786-0352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 186, LAKE WALES, FL 33859-0186
Investor	Possibly a Property Investor

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	725 N OAK AVE, BARTOW, FL 33830-3855
Document Number	0111400027
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 352 WINDERMERE FL 347860352, WINDERMERE, FL 34786-0352

Mortgage

Document Number	0111400027
Date	Feb 13, 2020
Book Page	011140/000027
Instrument	33936

Lender

Name	ALPHA R/E LNDG
Address	WARWICK, RI 02886

Agreement

Amount	Amount on Record
Term	12 Months
Due	Feb 12, 2021

Interest

Rate	8%

December 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 31, 2019
Property Address	725 N OAK AVE, BARTOW, FL 33830-3855
Document Number	0110921216
Book / Page	011092 / 001216
Instrument Date	Dec 31, 2019
Instrument	277196
Transaction Type	Construction Loan
Record Updated	Jan 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,595.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 352 WINDERMERE FL 347860352, WINDERMERE, FL 34786-0352

Mortgage

Document Number	110921218
Date	Dec 31, 2019
Book Page	011092/001218
Instrument	277197

Lender

Name	ALPHA R/E LNDG
Address	WARWICK, RI 02886

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 30, 2020

Mortgage

Document Number	110921234,
Date	Dec 31, 2019
Book Page	011092/001234
Instrument	277198

Lender

Name	ALPHA R/E LNDG
Address	WARWICK, RI 02886

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 30, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 725 N Oak Ave was $3,303.

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		$183,754 (+1%)	$216,216 (-) Land $9,300 Building $118,694
2025	$3,303.00	$167,049	$216,216 Land $9,300 Building $121,129
2023	$3,080.00 (+20.12%)	$138,057 (+6.02%) Land $9,000 Building $129,057	$138,057 (+6.02%) Land $9,000 Building $129,057
2022	$2,564.00	$130,219 Land $7,500 Building $122,719	$130,219 Land $7,500 Building $122,719

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 725 N Oak Ave 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.

Wildfire

Wildfire risk around 725 N Oak Ave is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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