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$445,000

1540 ROSA COURT, BARTOW, FL 33830

3D Tour
Active10 days on market

Beds

3

Baths

2

Sq Ft

2,232 sq ft

Year Built

1989

Lot Size

0.36 acres

Garage

2

About This Property

Virtually Staged. Your own pool. A fenced third-acre yard. No HOA. There's plenty to like outside, and this one-story home delivers inside, too. Tile flooring runs throughout, while the split floor plan gives the primary suite welcome separation from the other two bedrooms. The kitchen opens to the living area, keeping conversation flowing whether you're making dinner, catching up, or having friends over. Step out back, and the screened pool becomes the main attraction. Take a swim after work, spend a slow Saturday by the water, or bring everyone outside for an afternoon together. The fenced yard offers space beyond the pool, with a play set already in place. The updates deserve attention, too: a roof replaced in 2018, A/C and water heater replaced in 2022, and a whole-home UV air purification system with an electrostatic filter added in 2024; the filter carries a lifetime warranty. The second bathroom has been remodeled with quartz countertops, and the kitchen features granite and updated appliances. Come for the pool. Stay a little longer to appreciate the layout, the yard, and how much this home offers beyond the front door.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4965646
StatusActive
Year Built1989
Stories1
Total Rooms8
ConstructionBlock, Stucco
RoofShingle
FoundationBlock
FacesWest
SubdivisionSAGO PALMS SUB
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Open Floorplan, Split Bedroom, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
FlooringTile
AppliancesDishwasher, Electric Water Heater, Microwave, Range
LaundryLaundry Room
WindowsBlinds
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorIrrigation System, Private Mailbox, Private Yard, Rain Gutters, Sliding Doors
FencingChain Link, Fenced
Lot Size0.36 acres (15,699 sq ft)
Lot FeaturesLandscaped, Unincorporated
Road SurfaceAsphalt

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground, Gunite, Screen Enclosure

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesCable Available, Electricity Available, Electricity Connected, Water Available, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$445,000
Annual Taxes$3,616 (2025)
FinancingCash, Conventional, FHA, FHA / 203K, VA Loan
Parcel #252932363420000210

Schools

ElementarySpessard L. Holland Elementary
MiddleBartow Middle
HighBartow High

Directions

Highway 98 to Bartow Eagle Lake Road. Turn left on Taylor Road and right on Rosa Court.

Location

1540 ROSA COURT, BARTOW, FL 33830

Listing Information

OfficeS & D REAL ESTATE SERVICE LLC
ListedOctober 9, 2026

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Home Price

$445,000

20% ($89,000)
6.75%

Loan Term

Principal & Interest$2,309
Property Tax (est.)$408
Insurance (est.)$150
Total Monthly$2,867
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $445,000 home in BARTOW.

🏛️

FHA Loan

$15,575 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

$22,250 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 19, 2026.

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