670 GARDEN STREET, BARTOW, FL, 33830
Active74 days on marketListed May 21, 2026MLS #L4962113
About this home
670 GARDEN STREET
Located at 660 Garden Street in Bartow, FL, this well-designed 2-bedroom, 1-bathroom duplex offers 749 square feet of efficient living space. Its prime position on Garden Street ensures convenient access to nearby amenities, parks, and various community events. This charming duplex represents a great opportunity for anyone looking to establish a comfortable and inviting living space. Upon approval, tenants will be subject to a $150 one-time tenant set-up fee. Tenant Benefit Package: The tenant benefit package is $55 monthly and includes Monthly Filters, Quarterly Pest Control, $1M identity Theft Protection, Credit Building, a Resident Rewards Program, Utility concierge, and much more. Contact us today to schedule a tour and see what this fantastic property offers.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
850
Sqft
0.29 ac
Lot size
1987
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$169 /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
$169/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $178
Days on market
74 vs 42 typical
Where $2/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 100% below the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 670 GARDEN STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$135,000
2055 S FLORAL AVENUE UNIT 329
2 bd · 2 ba · 840 sqft · $161/sqft · 17 DOM
Sold · Mar ’26$140,000
2055 S FLORAL AVENUE UNIT 91
2 bd · 2 ba · 900 sqft · $156/sqft · 27 DOM
Sold · Feb ’26$221,000
605 W VALENCIA COURT
3 bd · 1 ba · 912 sqft · $242/sqft · 0 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 670 GARDEN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 670 GARDEN 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
670 GARDEN STREET FAQs
What would the monthly payment be for 670 GARDEN STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $169/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 670 GARDEN STREET?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Bartow?+
At $1,295, this home is listed about 100% below the Bartow median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 670 GARDEN 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.
Keep looking
Similar homes nearby
Listing courtesy of PMI ARRICO REALTY AND PRTP MGT · Shannon Cornell. MLS #L4962113.
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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