990 W PEARL STREET, BARTOW, FL, 33830
Active7 days on marketListed Oct 5, 2026MLS #TB8554515
About this home
990 W PEARL STREET
Come see this beautiful 4-bedroom, 2-bath pool home situated on .49 acres, offering plenty of space inside and out! The property is fully fenced and has NO HOA, giving you the freedom and space to enjoy your property. Inside, you’ll find an updated kitchen with quartz countertops, beautiful wood-look tile flooring throughout, and updated bathrooms. The spacious primary bathroom features a relaxing spa-like tub, perfect for unwinding at the end of the day. Additional upgrades include a new A/C unit (2023), plantation shutters, and remote-controlled window shades. Step outside and enjoy your own in-ground swimming pool with a screened pool enclosure, plus plenty of additional outdoor space for entertaining, gardening, or simply relaxing. Love gardening or growing your own food? The property already features a garden area with pineapple, plantain and banana trees, along with other fruits and vegetables, with plenty of room to add your favorite fruit trees and expand the garden. Bring your RV, boat, vehicles, and bring your chickens! With almost half an acre, a fully fenced yard, and NO HOA, there’s plenty of space and freedom to enjoy the property and make it your own. Enjoy the space and privacy of a large lot while still being conveniently located near shopping, dining and everyday necessities in Bartow. Located in a quiet, friendly neighborhood, this home offers a wonderful combination of space, privacy, a pool, and freedom that can be hard to find.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,932
Sqft
0.49 ac
Lot size
2
Garage
2012
Year built
One
Levels
$251
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.
$3,309 /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
$3,309/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.
vs edgeAI estimate
+40.4%
$/sqft vs Bartow actives
$251 vs $176
Days on market
7 vs 57 typical
Where $251/sqft sits among the 141 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
$303K → $312K
Bartow median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
71 of 141
Bartow actives have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% above the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 990 W PEARL STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$350,000
55 RANDIA DRIVE · same community
5 bd · 2 ba · 1,797 sqft · $195/sqft · 5 DOM
Sold · Aug ’26$335,000
630 N FORSYTH ROAD · same community
3 bd · 2 ba · 1,529 sqft · $219/sqft · 117 DOM
Sold · Nov ’25$278,500
745 W PARKER STREET · same community
3 bd · 2 ba · 1,444 sqft · $193/sqft · 17 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 990 W PEARL STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 990 W PEARL STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
990 W PEARL STREET FAQs
What would the monthly payment be for 990 W PEARL STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,309/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 990 W PEARL STREET?+
The most recent tax bill on record (2025) was $958. 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 $484,900, this home is listed about 50% above the Bartow median of $322,350. The market section on this page shows how the area is trending.
Which schools are assigned to 990 W PEARL STREET?+
Spessard L Holland Elementary (elementary), Bartow Senior High School (high), Bartow Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$484,900 runs 52% above the BARTOW 33830 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 7 days on market in a Bartow market that averages 57 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of HOMECOIN.COM · Jonathan Minerick. MLS #TB8554515.
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.
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