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$390,000

1040 AUSTIN STREET, BARTOW, FL 33830

3D Tour

Active139 days on market

Beds

Baths

Sq Ft

2,450 sq ft

Year Built

2007

Lot Size

0.12 acres

Garage

—

About This Property

Take a look at this great investment opportunity for a duplex! Located conveniently in Bartow with easy access to shopping, dining and major roadways. Each unit features 3 bedrooms and 2 bathrooms with tile flooring throughout and inside laundry. Rent both sides for cash flow or live on one side and rent the other side! There are many opportunities for this property! Schedule your private showing today. Additional duplex next door at 1060 W Austin for sale as well! Your chance to own 4 units!

Property Overview

Property TypeResidential Income

Sub TypeDuplex

MLS #L4959484

StatusActive

Year Built2007

ConstructionBlock

RoofShingle

FoundationSlab

SubdivisionLYBASS ADD

CountyPolk

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Primary Bedroom Main Floor

AppliancesRange, Refrigerator

LaundryInside

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorOther

Lot Size0.12 acres (5,027 sq ft)

Road SurfacePaved

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesBB/HS Internet Available, Cable Available, Electricity Available, Phone Available

Parking

GarageNo

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$390,000

Original Price$410,000

Annual Taxes$3,712 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningR-2

Parcel #253006387500001040

Schools

ElementarySpessard L. Holland Elementary

MiddleBartow Middle

HighBartow High

Directions

Traveling south on US 98, turn right onto SR 60, follow to Baker Avenue and turn right. Follow to Austin St. and turn left. Property will be on your right.

Location

1040 AUSTIN STREET, BARTOW, FL 33830

Listing Information

OfficeKELLER WILLIAMS REALTY SMART

ListedFebruary 17, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$390,000

Down Payment20% ($78,000)

Interest Rate6.75%

Loan Term

Principal & Interest$2,024

Property Tax (est.)$358

Insurance (est.)$150

Total Monthly$2,531

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Nearby Schools

Elementary School

Spessard L. Holland Elementary

View on GreatSchools →

Middle School

Bartow Middle

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High School

Bartow High

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How to Buy This Home

Multiple financing options available for this $390,000 home in BARTOW.

🏛️

FHA Loan

$13,650 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$19,500 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 10, 2026.