923 Kathy Rd, Bartow, FL 33830 Property Records

Polk County property record for 923 Kathy Rd, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 2000
Lot Size	0.23 acres (10,006 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,900 (Apr 2024)
Tax Bill	$2,287 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-29-35-363484-000020`

Property Details

APN / Parcel Number

Primary APN	`25-29-35-363484-000020`
Alternative APNs	`352925363484000020` `52925000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,304 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	1,304 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	10,006 sqft (0.23 acres)
Lot Dimensions	135 ft deep x 74 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	360 sqft
Porch	Unfinished Open Porch
Patio Area	300 sqft

Location & Zoning

Street Address	923 KATHY RD
City	BARTOW
State	FL
Zip	33830-8646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GANDY GROVE ADDITION PB 102 PG 13 LOT 2
Legal Range	25E
Legal Township	29S
Legal Section	35
Legal Subdivision	GANDY GROVE ADDITION
Legal Tract	363484
Legal Block	2
Legal Lot Number	2
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2022
Census Tract	14501

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	923 KATHY RD, BARTOW, FL 33830-8646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Nov 17, 2020	Loan Modification, Mortgage · Conventional with PMI MR COOPER
Dec 6, 2017	Grant Deed, Transfer HOME SOLUTION LENDERS
Jul 19, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2024 · Amount on Record
Deed Sale	Apr 25, 2024 · Amount on Record
Prior Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	202494792
Deed Book / Page	13090 / 1212
Prior Transfer Date	Jul 18, 2017
Prior Transfer Doc	0000137285
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 25, 2024
Property Address	923 KATHY RD, BARTOW, FL 33830-8646
Document Number	0000094792
Book / Page	13090 / 1212
Map Reference	MB 102 PG 13
Instrument Date	Apr 22, 2024
Instrument	2024094792
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,924.30
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	923 KATHY RD, BARTOW, FL 33830-8646

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	923 KATHY RD, BARTOW, FL 33830-8646

Mortgage

Document Number	0130901214
Date	Apr 25, 2024
Instrument	13090/1214

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0000094794
Date	Apr 25, 2024
Book Page	13090/1229
Instrument	2024094794

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	923 KATHY RD, BARTOW, FL 33830-8646
Document Number	0114912252
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 KATHY RD BARTOW FL 338308646, BARTOW, FL 33830-8646

Mortgage

Document Number	0114912252
Date	Dec 11, 2020
Book Page	011491/002252
Instrument	267900

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	PO BOX 9005, BARTOW, FL 33831-9005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	923 KATHY RD, BARTOW, FL 33830-8646
Document Number	0114971698
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 KATHY RD BARTOW FL 338308646, BARTOW, FL 33830-8646

Mortgage

Document Number	0114971698
Date	Dec 16, 2020
Book Page	011497/001698
Instrument	271601

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Dec 15, 2047

Interest

Rate	3.25%

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 6, 2017
Property Address	923 KATHY RD, BARTOW, FL 33830-8646
Document Number	0103331644
Book / Page	010333 / 001644
Instrument Date	Nov 27, 2017
Instrument	234570
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$979.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 KATHY RD BARTOW FL 338308646, BARTOW, FL 33830-8646
Investor	Possibly a Property Investor

Mortgage

Document Number	103331646
Date	Dec 6, 2017
Book Page	010333/001646
Instrument	234571

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	Jul 19, 2017
Property Address	923 KATHY RD, BARTOW, FL 33830-8646
Document Number	0102080703
Book / Page	010208 / 000703
Instrument Date	Jul 5, 2017
Instrument	137285
Transaction Type	Foreclosure
Record Updated	Aug 3, 2017

Transaction

Amount	Amount Recorded
Tax	$590.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7512 DR PHILLIPS BLVD #50-902 ORLANDO FL 328195420, 50-902, ORLANDO, FL 32819-5420
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
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		$210,808 (-2.91%) Land $45,000 Building $165,808	$210,808 (-2.91%) Land $45,000 Building $165,808
2025	$2,287.00 (+33.2%) Homeowner's exemption	$217,131 (+61.49%) Land $28,000 Building $189,131	$217,131 (+0.46%) Land $28,000 Building $189,131
2023	$1,717.00 (+3.93%) Homeowner's exemption	$134,452 (+3%)	$216,129 (+15.56%) Land $12,000 Building $204,129
2022	$1,652.00 Homeowner's exemption	$130,536	$187,031 Land $10,000 Building $177,031

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	23 (1979–2022)
Claims Outside the SFHA	3 of 23
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 13 claims

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	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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.

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 176 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

Cell Coverage

5G (outdoors only) and 4G LTE

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