David Ramirez
$475,000$499,0003 bd2.5 ba2,238 sqft$212 /sqft$3,267 /mo all-in ↓

1095 S BROADWAY AVENUE, BARTOW, FL, 33830

Active150 days on marketListed Feb 25, 2026MLS #L4959534

Reduced $24KSingle Family ResidenceNOT IN A SUBDIVISION

About this home

1095 S BROADWAY AVENUE

PRICE REDUCED! This home was inspired by a Frank Lloyd Wright design! Lovely historic home in the heart of Bartow, full of charm, character, and opportunity! This 109-year-old landmark property sits proudly on a 1.32-acre corner double lot at Broadway and Stuart, offering incredible potential. With the option to split the lot and build, you can create the workshop of your dreams, expand, or simply enjoy the extra space and privacy. Perfectly located to Bartow High School and its stadium, Bartow Middle School, Floral Avenue Elementary School, the Bartow Civic Center, and the Bartow Public Library—all accessible by sidewalks. Downtown Bartow, Mary Holland Park, and Nye Jordan Park are just a mile away, making this location as convenient as it is charming. The home itself showcases timeless architectural details, including a large front porch perfectly positioned along the local parade route. Inside, you’ll find 9-foot ceilings, impressive 8-inch baseboards, original hardwood floors throughout most of the home, and some original leaded glass windows complemented by double-pane updates. Natural light fills the spacious layout designed for comfortable multi-generational living. The main level features a formal living room and dining room, a kitchen with butler’s pantry, a convenient half bath, and a defined Florida Room with beautiful pebble stone flooring—an ideal space to enjoy your morning coffee. French doors open into the Florida Room, creating seamless flow for entertaining. Upstairs offers 3 bedrooms and 2 full baths. A one-car enclosed garage adds functionality, while mature oak trees and natural vegetation enhance the property’s classic Florida beauty. Restaurants, shopping, banking, medical offices, and hospitals are all just minutes away. This is a rare opportunity to own a true Bartow landmark with space, flexibility, and historic elegance.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,238

Sqft

1.32 ac

Lot size

1

Garage

1917

Year built

Two

Levels

$212

Per sqft

Inside

FlooringCarpet · Vinyl
AppliancesElectric Water Heater · Range · Refrigerator
InteriorEating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · PrimaryBedroom Upstairs · Solid Wood Cabinets
LaundryWasher Hookup
CoolingWall/Window Unit(s)
HeatingPropane

Outside & construction

RoofBuilt-Up
ConstructionBlock · Wood Frame
FoundationCrawlspace · Slab
FacesEast
ExteriorPrivate Entrance · Sidewalk

Community & fees

Taxes (2025)$1,208/yr

Utilities & systems

UtilitiesElectricity Connected · Street Lights
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,267 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property tax — 2025 actual bill$101
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,625Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,625
Interest rate6.00%
Loan term

Estimated payment

$3,267/mo

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property taxes (actual bill)$101
Est. insurance$160

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 NOT IN A SUBDIVISION

$212 vs $284

Days on market

150 vs 42 typical

Where $212/sqft sits among the 20 homes for sale in NOT IN A SUBDIVISION

9 · this home
5
3
1
0
2
$151–248$248–346$346–444$444–541$541–639$639+

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

Map of 1095 S BROADWAY AVENUE

Drive times from this address

Downtown Tampa52 min
Walt Disney World58 min
Tampa Int’l Airport (TPA)64 min
Universal Orlando68 min
Downtown Orlando75 min

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

HighBartow Senior High School★★★★★
MiddleBartow Middle School★★★★
ElementaryJames E. Stephens Academy★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bartow market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$325K$310K

Bartow median sold, yr/yr

98.0%

Sale-to-list ratio (12 mo)

10 of 20

NOT IN A SUBDIVISION have cut their price

Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 56% above the BARTOW 33830 median. See the full Bartow market guide →

Paper trail

This home's history

CurrentPrice reduced to $475,000 $24K
Feb 25, 2026Listed at $499,000 · 150 days on market since
1917Built · NOT IN A SUBDIVISION

Reality check

What actually sold near 1095 S BROADWAY AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3865 RABBIT RUN ROADSold · Mar ’26

$565,000

3865 RABBIT RUN ROAD · same community

3 bd · 2 ba · 2,364 sqft · $239/sqft · 38 DOM

1753 NW 44TH STREETSold · Oct ’25

$186,000

1753 NW 44TH STREET · same community

3 bd · 2 ba · 2,024 sqft · $92/sqft · 53 DOM

6155 BETHLEHEM ROADSold · Feb ’26

$525,000

6155 BETHLEHEM ROAD · same community

4 bd · 2.5 ba · 1,995 sqft · $263/sqft · 376 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1095 S BROADWAY AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1095 S BROADWAY AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

1095 S BROADWAY AVENUE FAQs

What would the monthly payment be for 1095 S BROADWAY AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,267/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 1095 S BROADWAY AVENUE?+

The most recent tax bill on record (2025) was $1,208. 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 $475,000, this home is listed about 46% above the Bartow median of $325,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1095 S BROADWAY AVENUE?+

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

01Positioned at the premium end

$475,000 runs 56% above the BARTOW 33830 median — but at 2,238 sqft it's also 23% larger than the typical Bartow listing.

02Time on market is leverage

150 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 $499,000, now $475,000 — a $24K cut. The full history is in the market section below.

Listing courtesy of MEEKS REAL ESTATE LLC · Carla Meeks. MLS #L4959534.

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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