1550 E BAY STREET, BARTOW, FL, 33830
Active167 days on marketListed Feb 16, 2026MLS #L4959432
About this home
1550 E BAY STREET
Excellent investment opportunity! Fully remodeled 3-bedroom, 2-bathroom single-family home with additional income potential space. The main house has been completely updated and features a brand-new kitchen with modern cabinets and new appliances, updated bathrooms, fresh interior paint, new laminate flooring throughout, new windows and doors, updated electrical, and a new A/C system making it move-in ready and ideal for immediate occupancy or rental. The property also offers future potential for two studio units, each with a private entrance. The studios are not completed, giving the new owner the opportunity to finish the interior build-out and maximize rental income potential (buyer to verify zoning and permitted use). Located just 10 minutes from downtown Bartow, this is a strong opportunity for investors looking to generate multiple income streams or expand their rental portfolio.
Facts & features
The home at a glance
3
Bedrooms
1,152
Sqft
0.18 ac
Lot size
1973
Year built
One
Levels
$204
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,862 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,862/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Bartow actives
$204 vs $178
Days on market
167 vs 42 typical
Where $204/sqft sits among the 121 Bartow actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bartow
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bartow. See the full Bartow guide →
BARTOW 33830 — neighborhood snapshot
Population
32,738
Median age
36.2
Median income
$62,636
Median home value
$207,900
Avg household
2.91
Households w/ children
3,768
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bartow market
$325K → $310K
Bartow median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
68 of 121
Bartow actives have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% below the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 1550 E BAY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$195,000
1350 MARTIN LUTHER KING JR BOULEVARD · same community
3 bd · 2 ba · 1,144 sqft · $170/sqft · 261 DOM
Sold · Oct ’25$90,000
1390 MAGNOLIA STREET · same community
3 bd · 2 ba · 1,173 sqft · $77/sqft · 142 DOM
Sold · Jun ’26$230,000
1390 MAGNOLIA STREET · same community
3 bd · 2 ba · 1,173 sqft · $196/sqft · 50 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1550 E BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1550 E BAY STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1550 E BAY STREET FAQs
What would the monthly payment be for 1550 E BAY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,862/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1550 E BAY STREET?+
The most recent tax bill on record (2025) was $2,580. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Bartow?+
At $234,900, this home is listed about 28% below the Bartow median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1550 E BAY STREET?+
Bartow Senior High School (high), Bartow Middle School (middle), James E. Stephens Academy (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the BARTOW 33830 market on paper
$234,900 is 25% below the BARTOW 33830 median of $312,999.
02Time on market is leverage
167 days on market against a Bartow median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $249,900, now $234,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Gaby Murillo. MLS #L4959432.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Bartow homes, in your inbox
Like 1550 E BAY STREET but not quite? A daily digest of every new listing in Bartow — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask German to ping you on any price or status change →