640 FORREST DR, BARTOW, FL, 33830
Active128 days on marketListed Mar 14, 2026MLS #P4938144
About this home
640 FORREST DR
Bring your vision and make this charming 3-bedroom, 1-bathroom home your own! Nestled on a 0.22-acre lot in Richland Manor with no HOA, this property offers over 1,100 square feet of living space. Inside, you'll find a cozy living room that flows effortlessly into the dining area and connects to a galley-style kitchen. The spacious bedrooms are located toward the back of the home, providing a quiet retreat. A family room and bonus room add extra flexibility for entertaining, a home office, or additional living space. Enjoy the fully fenced backyard, perfect for pets, gatherings, or gardening, plus a large workshop and shed for added storage. Conveniently located near Highway 60 with quick access to shopping, dining, and everyday amenities.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,152
Sqft
0.22 ac
Lot size
1960
Year built
One
Levels
$139
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.
$1,448 /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
$1,448/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
−23.1%
$/sqft vs Bartow actives
$139 vs $175
Days on market
128 vs 42 typical
Where $139/sqft sits among the 120 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
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)
67 of 120
Bartow actives have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% below the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 FORREST DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$232,000
830 SHADY LANE · same community
3 bd · 2 ba · 1,160 sqft · $200/sqft · 22 DOM
Sold · Mar ’26$239,000
930 PINECREST DRIVE · same community
3 bd · 1 ba · 1,064 sqft · $225/sqft · 0 DOM
Sold · Jan ’26$230,000
740 BEARCREEK DRIVE · same community
3 bd · 1 ba · 1,314 sqft · $175/sqft · 69 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 640 FORREST DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 FORREST DR — 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
640 FORREST DR FAQs
What would the monthly payment be for 640 FORREST DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,448/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 640 FORREST DR?+
The most recent tax bill on record (2025) was $3,322. 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 $159,700, this home is listed about 51% below the Bartow median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 640 FORREST DR?+
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
01Under the BARTOW 33830 market on paper
$159,700 is 47% below the BARTOW 33830 median of $299,999, and at $139/sqft it sits under the Bartow average of $184.
02Time on market is leverage
128 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 $219,900, now $159,700 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ASSOCIATE REALTY · Chrissi Jasso. MLS #P4938144.
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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