705 E CHURCH STREET, BARTOW, FL, 33830
Active141 days on marketListed Mar 4, 2026MLS #L4959897
About this home
705 E CHURCH STREET
Come see this stunning 4 bedroom 3 bathroom Folk Victorian home located in the heart of Bartow’s historic district. This 1898 home is one of the oldest houses in Bartow boasting 3,124 sqft of living area, decorative gable trim, clapboard siding, 11ft high ceilings, crown molding, hardwood floors, built in bookshelves, exposed wood ceiling beams in living room, sun room, formal dining room, wood molding staircase, oak floors downstairs, pine floors upstairs, updated upstairs bathroom with glass shower doors, new A/C unit upstairs, large guest bedrooms, new ceiling fans, giant front porch, metal roof with new screws, new flat roof over carport, new carport floor paint, and a transferable termite bond. This home has large period windows offering tons of natural light and incredible views of the courtyard and other surrounding historic homes. The spacious kitchen has recently been updated to include the conveniences of modern life with quartz countertops, stainless appliances, brand new dishwasher, deep farmhouse sink, butlers pantry, and gas range. The ground floor master suite has a completely updated bathroom with walk in glass shower enclosure, walk in closet, shiplap walls, subway tiles, and dual sinks. The living room and family room areas are divided by double sided wood burning fireplaces. The sun room that overlooks the large sweeping front porch could easily be used as a fifth bedroom if needed. The home sits on a huge .34 acre corner lot in the middle of charming Bartow's Main Street District which offers restaurants, community events, and historic sites including the Polk County courthouse. Enjoy relaxing and entertaining outside with mature shady oaks, a large fire pit, brick patio, custom playhouse with climbing wall and swing-set, wood privacy fence, long driveway, double gate, rebuilt detached garage, new wood decking on front porch, workshop, and two car carport. The home is conveniently located to several shopping centers, grocery stores, restaurants, parks, Polk State College, and the Polk Parkway for easy commutes to Tampa and Orlando.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,124
Sqft
0.34 ac
Lot size
1
Garage
1898
Year built
Two
Levels
$179
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.
$4,060 /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
$4,060/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
$179 vs $175
Days on market
141 vs 42 typical
Where $179/sqft sits among the 126 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 Downtown Bartow
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bartow. See the full Bartow guide →
Downtown Bartow — neighborhood snapshot
Population
599
Median age
27
Median income
$42,855
Median home value
$191,450
Avg household
3
Households w/ children
63%
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)
69 of 126
Bartow actives have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 87% above the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 705 E CHURCH 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 ’25$725,000
645 E CHURCH STREET · same community
4 bd · 3.5 ba · 4,000 sqft · $181/sqft · 13 DOM
Sold · Jul ’25$790,000
195 E CONANT STREET
3 bd · 3 ba · 3,207 sqft · $246/sqft · 67 DOM
Sold · Apr ’26$444,900
495 E PEARL STREET
4 bd · 4 ba · 2,894 sqft · $154/sqft · 100 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 705 E CHURCH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 705 E CHURCH STREET — 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.
Straight answers
705 E CHURCH STREET FAQs
What would the monthly payment be for 705 E CHURCH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,060/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 705 E CHURCH STREET?+
The most recent tax bill on record (2024) was $4,266. 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 $560,000, this home is listed about 72% above the Bartow median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 705 E CHURCH 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
01Positioned at the premium end
$560,000 runs 87% above the BARTOW 33830 median — but at 3,124 sqft it's also 72% larger than the typical Bartow listing.
02Time on market is leverage
141 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 $595,000, now $560,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ROOST REALTY GROUP LLC · Cannon Kirby. MLS #L4959897.
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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