Polk County property record for 865 W McLeod St, Bartow, FL 33830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,505 sqft · built 1955 |
| Lot Size | 0.285 acres (12,432 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $203,000 (Jun 2022) |
| Tax Bill | $2,358 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-30-07-405400-002010 |
| Primary APN | 25-30-07-405400-002010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,505 sqft Living Area |
| Gross Area | 1,183 sqft |
| 1st Floor Area | 1,183 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,432 sqft (0.285 acres) |
| Lot Dimensions | 140 ft deep x 84 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 658 sqft |
| Utility Building | 84 sqft |
| Street Address | 865 W MCLEOD ST |
|---|---|
| City | BARTOW |
| State | FL |
| Zip | 33830-6226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUNSET PARK ADD PB 37 PG 38 BLK B LOT 1 |
| Legal Range | 25E |
| Legal Township | 30S |
| Legal Section | 07 |
| Legal Subdivision | SUNSET PARK ADDITION |
| Legal Tract | 405400 |
| Legal Block | B |
| Legal Lot Number | 1 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 15101 |
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 | 865 W MCLEOD ST, BARTOW, FL 33830-6226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED TRUST BANK |
| Jun 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2022 · Amount on Record |
| Deed Sale | Jun 7, 2022 · Amount on Record |
| Prior Sale | Nov 1, 2001 |
| Deed Document Number | 2022155074 |
| Deed Book / Page | 12286 / 1233 |
| Transfer Doc | 4838001875 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 865 W MCLEOD ST, BARTOW, FL 33830-6226 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 865 W MCLEOD ST, BARTOW, FL 33830-6226 |
| Document Number | 0000194577 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 11820/1724 |
| Instrument | 2021194577 |
| Name | UNITED TRUST BANK |
|---|---|
| Type | Bank |
| Address | PALOS HEIGHTS, IL 60463 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 7, 2022 |
| Property Address | 865 W MCLEOD ST, BARTOW, FL 33830-6226 |
| Document Number | 0000155074 |
| Book / Page | 12286 / 1233 |
| Map Reference | MB 37 PG 38 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 2022155074 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | ISLAND TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,421.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2937 DELROSE DR N, LAKELAND, FL 33805-7661 |
| Name | Verified Name |
|---|---|
| Address | 865 W NMCLEOD ST, BARTOW, FL 33830 |
| Investor | Possibly a Property Investor |
| Document Number | 0000155075 |
|---|---|
| Date | Jun 7, 2022 |
| Book Page | 12286/1234 |
| Instrument | 2022155075 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
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 | $176,724 (+2.32%) Land $30,000 Building $146,724 | $176,724 (+2.32%) Land $30,000 Building $146,724 | |
| 2025 | $2,358.00 (-11.29%) Homeowner's exemption | $172,717 (+0.99%) Land $30,000 Building $142,717 | $172,717 (+0.99%) Land $30,000 Building $142,717 |
| 2023 | $2,658.00 (+289.74%) Homeowner's exemption | $171,029 (+185.7%) Land $29,000 Building $142,029 | $171,029 (+5.1%) Land $29,000 Building $142,029 |
| 2022 | $682.00 | $59,864 | $162,735 Land $24,000 Building $138,735 |
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.
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 |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond 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 379 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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