820 S OAK AVENUE, BARTOW, FL, 33830
Active31 days on marketListed Jun 24, 2026MLS #L4962731
About this home
820 S OAK AVENUE
STEP BACK IN TIME . . . . own a part of Bartow’s history is steeped into every room of this 1910 home situated on nearly a full acre in the heart of Bartow’s residential area just a few blocks east of the courthouse and south of Main Street. This sprawling 5-bedroom, 4-bath main home features spacious rooms throughout, a dedicated office, formal living and dining rooms, family room, and a Florida room complete with Terrazzo flooring and REAL cypress paneled walls and built-in bookcase. There are a multitude of built-in features throughout the home, storage space galore (every inch was utilized!), a non-working fireplace (it was capped years ago), PLUS a 1-bedroom / 1-bath cottage/guest house with kitchen and living area that was completely updated in 2022. There is also a detached 2-car garage with workshop space, half-bath, two storage sheds and a covered space for boat/RV parking. The inground pool is situated away from the main residence and cottage. Shingle roof replaced in 2022, tented in 2022 and comes with the balance of Orkin’s 5-Year Warranty. Main sewer line replaced in 2020. Please do not rely on public records for SF figures as a recent appraisal determined the Main house is approximately 4067 SF of living area and detached Cottage/Guest House is approximately 693 SF of living area. This home is being sold AS-IS ONLY - No Exceptions! And don’t miss the Estate Sale being held from June 25th through June 28th hosted by Cheek House Estate Sales. Interior photos will not be available until after the conclusion of the estate sale and the home has been cleared of unsold items and professionally cleaned.
Facts & features
The home at a glance
6
Bedrooms
5
Bathrooms
4,760
Sqft
0.91 ac
Lot size
2
Garage
1910
Year built
Two
Levels
$126
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.
$3,895 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,895/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$126 vs $175
Days on market
31 vs 42 typical
Where $126/sqft sits among the 127 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)
69 of 127
Bartow actives have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 96% above the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 820 S OAK AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$450,000
1950 EL PASO TRAIL
5 bd · 3 ba · 3,333 sqft · $135/sqft · 158 DOM
Sold · Sep ’25$275,000
405 S 7TH AVENUE
5 bd · 3 ba · 2,224 sqft · $124/sqft · 42 DOM
Sold · Oct ’25$370,000
780 FLORAL AVENUE S
5 bd · 3 ba · 2,128 sqft · $174/sqft · 4 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 820 S OAK AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 820 S OAK 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.
Straight answers
820 S OAK AVENUE FAQs
What would the monthly payment be for 820 S OAK AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,895/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 820 S OAK AVENUE?+
The most recent tax bill on record (2025) was $3,447. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 820 S OAK AVENUE?+
The listing reports pets: 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 $597,500, this home is listed about 84% above the Bartow median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 820 S OAK 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.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER REALTY NETWORK, INC · Jeri Thom. MLS #L4962731.
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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