$639,999
437 GANDY CEMETERY ROAD, BARTOW, FL 33830
Beds
4
Baths
2
Sq Ft
2,427 sq ft
Year Built
2021
Lot Size
0.99 acres
Garage
6
About This Property
SELLER IS OFFERING A RATE BUYDOWN OR A CREDIT TOWARD CLOSING COSTS — IF RATES ARE THE ONLY THING HOLDING YOU BACK, LET'S TALK NUMBERS. This 4-bed, 2-bath custom ranch sits on just under an acre in Bartow's Dean Ranch — no HOA, no CDD, and room to actually use your land. Built in 2021, 2,427 heated sqft, stone counters, high ceilings, and a home office already in place. Here's what most listings don't have: a fully fenced lot with gated keypad entry and two-way intercom, extra concrete parking, RV parking, boat parking, and a shop that's the real deal — insulated walls and doors, three 10-ft bay doors, air lines run throughout, and a 4-post car lift already installed. A whole-property generator covers the house and the shop, so storm season stops being a threat. Outside is built for actual Florida living — covered patio, screened room, and an outdoor kitchen with a dishwasher. Irrigation, gutters, public water, septic, all handled. Minutes off Hwy 60 to Bartow, Lakeland, and Winter Haven. Mechanics, car guys, RV owners, anyone who wants space and a shop without an HOA saying no — this is built for you. Ask about seller concessions and come see it in person.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Heading East on HWY 60 E turn north onto Gandy Cemetery Rd, house is on right.
Location
437 GANDY CEMETERY ROAD, BARTOW, FL 33830
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$639,999
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $639,999 home in BARTOW.
🏛️
FHA Loan
$22,400 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
$32,000 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.