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$459,000

1290 E GILBERT STREET, BARTOW, FL 33830

3D Tour
Active10 days on market

Beds

3

Baths

2

Sq Ft

2,070 sq ft

Year Built

1997

Lot Size

0.40 acres

Garage

2

About This Property

$10,000 SELLER CONTRIBUTION TOWARD BUYER’S CLOSING COSTS & PREPAID EXPENSES! Welcome to this exceptional 3-bedroom, 2-bathroom home offering 2,070 square feet of comfortable living space on a desirable corner lot in Bartow’s peaceful Oakland neighborhood. More than $50,000 in upgrades and improvements have been completed within the past two years, including a brand-new HVAC system and a Generac whole-home generator installed in 2024. Add the Vivint security system, private screened-in-ground pool, spacious fenced backyard, and no HOA, and you have a home designed for comfort, convenience, and peace of mind. Inside, you'll find soaring vaulted ceilings, beautiful wood and tile flooring, and a spacious living area centered around a brick wood-burning fireplace. The open layout flows naturally into the formal dining area and a versatile secondary lounge space that can serve as a home office, sitting room, playroom, or additional gathering area. With direct access to the pool, this flexible space makes indoor-outdoor living especially convenient. The updated kitchen features solid-surface countertops, white cabinetry, a breakfast bar overlooking the living area, and all-new appliances installed in 2025. A new solar tube added in April 2026 brings additional natural light into the kitchen and living space. The primary suite offers a private retreat with an en-suite bathroom featuring dual vanities and a walk-in shower. The guest bathroom has been updated with a new vanity and toilet. Step outside to enjoy one of the home's standout features: a large screened-in-ground pool, covered patio, and expansive fenced backyard with plenty of room for entertaining, pets, gardening, and outdoor activities. The corner-lot setting provides additional usable yard space, while the covered front porch with brick pavers and a built-in swing creates a welcoming first impression. Recent improvements include the brand-new HVAC system, Generac whole-home generator, and roof rejuvenation treatment to help extend the roof’s service life. The attached 2-car garage features epoxy flooring and dedicated home gym space. A sprinkler system and Vivint security system add convenience and peace of mind. Conveniently located near historic Downtown Bartow, local shopping, dining, schools, parks, community amenities, and major roadways, this home offers easy access to surrounding Polk County communities while maintaining a peaceful neighborhood setting. Seller is offering a $10,000 contribution toward buyer’s closing costs and prepaid expenses with an acceptable offer. Buyer to verify eligibility and terms with their lender. With its $50K+ in recent improvements, whole-home Generac generator, brand-new HVAC, Vivint security system, private screened pool, generous fenced corner lot, flexible living spaces, and no HOA, this is a home that truly stands apart.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4964979
StatusActive
Year Built1997
Stories1
Total Rooms3
ConstructionBlock, Brick, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionOAKLAND ADD
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringCeramic Tile, Engineered Hardwood
AppliancesDryer, Microwave, Range, Refrigerator, Washer
LaundryIn Garage, Inside
WindowsBlinds, Window Treatments
CoolingCentral Air
HeatingCentral
FireplaceYes ()
SecurityClosed Circuit Camera(s), Fire Alarm, Security System, Security System Owned, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Lighting, Private Entrance, Private Mailbox, Rain Gutters, Sidewalk
FencingFenced
Lot Size0.40 acres (17,394 sq ft)
Lot Dimensions114 x 138
Lot FeaturesCorner Lot, Landscaped, Level
Road SurfaceAsphalt, Paved
ViewTrees/Woods

Pool & Spa

Private PoolYes
Pool FeaturesGunite, In Ground, Screen Enclosure

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$459,000
Annual Taxes$7,016 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-1A
Parcel #253008422500006081

Directions

South Bartow Road, left on 60 follow to 35 South, US 98 to East clinto Street left onto Kissingen Ave and first right on to East Gilbert Street

Location

1290 E GILBERT STREET, BARTOW, FL 33830

Listing Information

OfficeKELLER WILLIAMS REALTY SMART 1
ListedSeptember 28, 2026

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Home Price

$459,000

20% ($91,800)
6.75%

Loan Term

Principal & Interest$2,382
Property Tax (est.)$421
Insurance (est.)$150
Total Monthly$2,952
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How to Buy This Home

Multiple financing options available for this $459,000 home in BARTOW.

🏛️

FHA Loan

$16,065 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

$22,950 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.

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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: October 8, 2026.

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