985 S Dudley Ave, Bartow, FL 33830 Property Records

Polk County property record for 985 S Dudley Ave, Bartow, FL 33830

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,630 sqft · built 1945
Lot Size	0.268 acres (11,652 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,500 (Apr 2022)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-30-07-403000-002100`

Property Details

APN / Parcel Number

Primary APN	`25-30-07-403000-002100`
Alternative APNs	`073025403000002100` `73025000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,630 sqft Living Area
Gross Area	1,402 sqft
1st Floor Area	1,402 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Other
Lot Area	11,652 sqft (0.268 acres)
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	240 sqft
Porch	Finished/Open Porch
Porch Area	470 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	985 S DUDLEY AVE
City	BARTOW
State	FL
Zip	33830-5504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PRESTONS W S ADD PB 3 PG 83 BLK B LOTS 10 TO 12 & E1/2 OF CLOSED ALLEY LYING W OF ABOVE
Legal Range	25E
Legal Township	30S
Legal Section	07
Legal Subdivision	PRESTONS W S ADDITION
Legal Tract	403000
Legal Block	B
Legal Lot Number	10-12
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1032
Census Tract	15101

Owner

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	985 S DUDLEY AVE, BARTOW, FL 33830-5504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
May 24, 2022	Intrafamily Transfer, Transfer
Apr 25, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 30, 2020	Warranty Deed, Transfer · FHA Mortgage UNION HM MTG CORP
May 30, 2018	Warranty Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2022 · Amount on Record
Deed Sale	Apr 25, 2022 · Amount on Record
Prior Sale	Apr 30, 2020 · Amount on Record
Deed Document Number	2022110821
Deed Book / Page	12222 / 1852
Last Transfer Date	May 8, 2022
Transfer Doc	0000141448
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504

Mortgage

Document Number	0000259318
Date	Oct 5, 2021
Book Page	11923/1344
Instrument	2021259318

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	May 1, 2050

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	May 24, 2022
Property Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504
Document Number	0000141448
Book / Page	12266 / 432
Map Reference	MB 3 PG 83
Instrument Date	May 8, 2022
Instrument	2022141448
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 25, 2022
Property Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504
Document Number	0000110821
Book / Page	12222 / 1852
Map Reference	MB 3 PG 83
Instrument Date	Apr 19, 2022
Instrument	2022110821
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	NOT AVAILABLE, XCELLENCE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,823.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4855 AQUADUCT DR, GREENWOOD, IN 46142-7534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504

Mortgage

Document Number	0122221854
Date	Apr 25, 2022
Instrument	12222/1854

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 30, 2020
Property Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504
Document Number	0112210107
Book / Page	011221 / 000107
Instrument Date	Apr 23, 2020
Instrument	88585
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,162.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 S DUDLEY AVE BARTOW FL 338305504, BARTOW, FL 33830-5504

Mortgage

Document Number	112210109
Date	Apr 30, 2020
Book Page	011221/000109
Instrument	88586

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 30, 2018
Property Address	985 S DUDLEY AVE, BARTOW, FL 33830-5504
Document Number	0104991764
Book / Page	010499 / 001764
Instrument Date	May 22, 2018
Instrument	114755
Transaction Type	Transfer
Record Updated	Jun 20, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 S DUDLEY AVE BARTOW FL 338305504, BARTOW, FL 33830-5504

Mortgage

Document Number	104991766
Date	May 30, 2018
Book Page	010499/001766
Instrument	114756

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2048

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		$235,687 (-0.74%) Land $34,953 Building $200,734	$235,687 (-0.74%) Land $34,953 Building $200,734
2025	$3,537.00 (-24.66%)	$237,447 (+8.9%) Land $34,953 Building $202,494	$237,447 (+8.9%) Land $34,953 Building $202,494
2024	$4,695.00 (+8.06%)
2023	$4,345.00 (+37.89%)	$218,046 (+10.76%) Land $25,632 Building $192,414	$218,046 (+10.76%) Land $25,632 Building $192,414
2022	$3,151.00	$196,856 Land $21,554 Building $175,302	$196,856 Land $21,554 Building $175,302

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	5 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 314 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

985 S Dudley Ave, Bartow, FL 33830 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on S Dudley Ave

Nearby Streets

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