Bartow Homes For Sale with USDA Financing!

3 Beds ⋅ 2 Baths ⋅ Waterwood SubDv. ⋅ 33830 Zip Code

MOTIVATED SELLERS! This 3-bedroom, 2-bath home situated on a spacious 0.72-acre lot with no HOA in the desirable Waterwood subdivision. A long, welcoming front porch invites you inside to a bright split floor plan featuring vaulted ceilings, an open living area with a fireplace, and a separate dining room. The kitchen provides ample cabinet storage along with a cozy breakfast nook. Outdoor living shines with a large back patio, vinyl-fenced backyard, and a screened porch off the primary bedroom—perfect for morning coffee or unwinding in the evening. The home is connected to a separate well for irrigation, keeping lawn care easy and utility costs low. Bonus space alert! The property features a 2-car garage, with one side currently enclosed and under A/C, being used as a flexible 4th bedroom. This area is not counted in the heated square footage but offers great versatility and can be converted back to a full 2-car garage if desired. There's plenty of parking with an oversized circular driveway. Conveniently located near the Polk Parkway, Fort Fraser Trail, schools, shopping, and a nearby public boat ramp.

5108 Waterwood Drive, Bartow

$250,000

3 Beds ⋅ 2 Baths ⋅ Wheeler Heights SubDv. ⋅ 33830 Zip Code

No HOA & 100% Financing Available! Bring your boats, campers, and work trucks—this spacious 0.31-acre property has room for it all. Inside, enjoy a functional layout featuring a formal living room with classic crown molding, a separate dining area, an inside utility room, and ample storage. Both the kitchen and bathroom have been beautifully remodeled. Unwind on the screened lanai overlooking a massive, partially fenced backyard that is perfect for a playground, pets, or outdoor toys. Take advantage of USDA 100% financing eligibility and make this versatile home yours today!

4325 Carolyn Way, Bartow

$249,000

3 Beds ⋅ 2 Baths ⋅ Wheeler Heights SubDv. ⋅ 33830 Zip Code

Finding an affordable, move-in-ready home in Bartow with no HOA and major updates already completed is becoming harder to find. That's what makes 4561 David Drive such a great opportunity. Whether you're buying your first home, looking to simplify life, or searching for a comfortable place to enjoy your retirement years, this well-maintained 3-bedroom, 1.5-bath home offers the perfect blend of value, convenience, and peace of mind. Inside, you'll find durable vinyl plank flooring throughout, a bright and welcoming living space filled with natural light, and a spacious primary bedroom designed for everyday comfort. French doors open to a fully fenced backyard, providing a private outdoor retreat perfect for pets, gardening, relaxing with a morning coffee, or spending time with loved ones. One of the biggest advantages of this home is that many of the major expenses have already been taken care of, including a roof installed in 2018, helping reduce future maintenance concerns and giving buyers added confidence. Located in an established Bartow neighborhood with no HOA restrictions, you'll enjoy the freedom to make the property your own while staying close to everything you need. Downtown Bartow's historic charm, local restaurants, shopping, medical facilities, parks, and everyday conveniences are just minutes away. Commuters will appreciate easy access to Highway 17, while outdoor enthusiasts can explore nearby Circle B Bar Reserve, Lake Hancock, and the area's beautiful natural surroundings. If you've been waiting for an affordable home that's move-in ready, offers outdoor space, and delivers exceptional value in one of Polk County's most charming communities, this is one you won't want to miss. Schedule your private showing today and discover why so many love calling Bartow home.

4561 David Drive, Bartow

$729,900

4 Beds ⋅ 3 Baths ⋅ Acreage SubDv. ⋅ 33830 Zip Code

Live Grand! Luxurious Country Living that offers Privacy & Space less than 10 minutes from Medical, Shopping, & Restaurants on a 1.06 Acre 100% Dry Lot w/ no HOA or CDD! This Custom-Built 4 Bedroom, 3 Bath Pool Home features a Grand Primary Suite with Spa-Style Bath with a Triple Split/Open Concept Floor Plan, Large Rooms, Premium Mill Work, Soaring Ceilings, Ample Storage, 3 Car Attached Side Entry Garage plus a Two Roll up door 24’x30’ Detached Steel Garage/Workshop, AND a Spacious Outdoor Area with Covered Lanai & Screened In Pool that delivers for both daily relaxation as well as Family Holidays or any Entertaining Events both Large or Small. Natural Light streams through the oversized windows highlighting the beautiful details of this home. Built in 2017, it is well maintained & still feels new. As you arrive at the property and you are immediately welcomed by a long cement driveway that leads to the 3 Car Side Entrance Garage. The Front has Stone Accents & a Covered Front Porch with a Big Sky View looking South. The Grand Entrance with Custom Leaded Glass Door and Exquisite Mill Work as you enter the Foyer. The Great Room has 10-12 ‘ Ceilings w/ Crown Molding, Recessed Ceiling Lighting, built in Surround Sound, a Stone Fireplace w/Insert & space above for a Large TV. The Kitchen has Premium Cabinetry, Stone Countertops, Stainless Appliances, a Large Walk-in Pantry, and an oversized Island with Breakfast Bar with Stone Accents and Custom Millwork that truly is a showstopper. The Dining Room has space for a large table & console and it provides a dedicated area for formal meals and entertaining. The Cafe/Dining area adjacent to the kitchen offers a place for casual dining and has built in Display Cabinetry with Glass Doors additional Base Storage and Extra Counter Space. The Owner’s Suite is a private retreat featuring French Doors to the Lanai, a Spa-style Bath with Soaking Tub, Oversized Walk-In shower, Split Single Bowl Vanities with Ample Drawer Storage and Counter Space, Private Commode, & Dual Walk-In closets. Bedroom 2 and Bath 2 have their own hallway past the kitchen. Bedrooms 3 and 4 are down the hall from the cafe they have quick access to bathroom 3 which is also a pool bath with a door to the Lanai and Pool area. All three secondary bedrooms have room for king sized beds and have walk in closets. These bedrooms have carpeting. Off the kitchen is the laundry room with drop station and a 2nd storage closet or extra pantry. The 3-car attached garage is accessed through the laundry room making it easy unload to the kitchen when bring home groceries. The Outdoor Area offers a Covered Lanai under Insulated Roof to keep you cool and out of the sun with space for both a dining area and furniture grouping. The 16 x 28 pool has a sunning bench and is fully screened in. The cement pool deck has room for chase lounges for working on your tan and there are speakers that have hookups to the media center in the living room. Pool safety fence is included AND this home features Solar Pool Heating to keep you comfortable when using the pool in the winter months without the added electric expense. The home also includes a security camera system with DVR, A water conditioning system, custom curbing on the landscape areas, decking in the attack for additional storage & a new HVAC full system in 2024! This Move-In Ready Home checks all the boxes! Don’t wait! Schedule your showing today!All dimensions estimated. Buyer/Buyer's agent to verify.

3934 Connersville Road, Bartow

$519,000

4 Beds ⋅ 3 Baths ⋅ Sand Lake Grvs Ph I SubDv. ⋅ 33830 Zip Code

Welcome to effortless Florida living in the sought-after Sand Lake Groves community! Built in 2024 and still covered by the builder's warranty—plus an additional transferable seller-purchased warranty—this nearly new 4-bedroom, 3-bath home offers the peace of mind of new construction without the wait. Inside, the gourmet kitchen with stone countertops and ceramic tile flooring creates the perfect space for gathering, while the open layout flows seamlessly to a spacious screened lanai ideal for morning coffee or relaxing evenings outdoors. The private primary suite serves as a true retreat, featuring a tray ceiling and a spa-inspired bathroom designed for comfort and relaxation. Conveniently located near State Road 60 and Gandy Cemetery Road, you'll enjoy quick access to the charm of downtown Bartow, local dining, shopping, parks, and everyday conveniences, all while benefiting from NO CDD fees. With the sellers relocating for work, this is a rare opportunity to enjoy a like-new home and a lifestyle centered on comfort, convenience, and community.

1029 Bergamot Drive, Bartow

$259,000

3 Beds ⋅ 2 Baths ⋅ N/A SubDv. ⋅ 33830 Zip Code

Escape to peaceful Florida living with this charming 3-bedroom, 2-bath double wide manufactured home situated on a spacious corner lot in Bartow, FL. This home offers a bright open layout, generous living spaces, natural light throughout, and plenty of outdoor space to enjoy quiet country living. Located in a serene area near a private pilot community and just a short drive to the beautiful Bok Tower Gardens, you’ll enjoy the perfect balance of relaxation and convenience while still being close to shopping, dining, lakes, and everyday essentials. The seller is motivated and there may be an opportunity for owner-to-owner financing, making this a great opportunity for buyers looking for flexibility. Whether you’re looking for a primary home, investment, or peaceful retreat, this property has endless potential. Schedule your showing today, and bring in your offer!!

8010 Palmer Road, Bartow

$402,900

4 Beds ⋅ 2 Baths ⋅ James Farms Ph One SubDv. ⋅ 33830 Zip Code

Welcome to James Farms, a new Southern Homes’ community located in Bartow, FL. Homeowners are sure to enjoy this amenity-rich community that will boast a cabana, pool, pickleball and basketball courts, dog park, playground, putting green, dock, and walking trail. With easy access to nearby attractions, residents can also explore the scenic trails and natural beauty of nearby Circle B Bar Reserve, ideal for hiking and wildlife watching. Additionally, downtown Bartow is just around the corner, and is filled with local shops and dining options. James Farms is a wonderful place to live, offering a blend of comfort, convenience, and community spirit. No CDD fees!

3432 Blueberry Trail, Bartow

$353,620

4 Beds ⋅ 2 Baths ⋅ Sand Lk Grvs Ph Ii SubDv. ⋅ 33830 Zip Code

Sand Lake Groves is a brand new community in Bartow, FL, strategically positioned at the intersection of State Road 60 and Gandy Cemetery Rd. Downtown Bartow is nearby and provides a charming backdrop for boutique shopping, diverse dining options, and cultural indulgences. With its prime location and proximity to local amenities, Sand Lake Groves offers residents the perfect blend of modern comforts and natural allure in the heart of Bartow. No CDD!

1418 Peel Place, Bartow

$75,000

33830 Zip Code

Don't miss this opportunity to own over an acre of prime land in Bartow, FL. Great for builders, developers, or buyers seeking privacy. Fenced and mostly cleared off a paved road. Central Florida location with easy access to outdoor recreation, historic downtown Bartow, museums, and nearby parks. Build now or invest for the future - this parcel offers many possibilities in a growing area.

Alturas Babson Park Cutoff Road Unit Lot 78, Bartow

$199,000

33830 Zip Code

POND WATERFRONT * NO HOA * RESIDENTIAL * PERFECT FOR RV BUSINESS * IN THE CITY * BUILDABLE * PARCIAL CLEAR LOT * GREAT INVESTMENT * ELECTRICITY AND WATER Everything in the same place, property perfect for RV business, agriculture, residential great location to build a house. Take this opportunity now for this great price. Property has electricity and water on place. Recently APPROVED by the County to build 10 houses. See it in Polk County website property ID: 25-29-15-000000-022010. Firm Price just reduced for a quick sale.

Old Bartow Eagle Lake Road, Bartow

$389,900

3 Beds ⋅ 2 Baths ⋅ James Farms SubDv. ⋅ 33830 Zip Code

Welcome to James Farms, a new Southern Homes’ community located in Bartow, FL. Homeowners are sure to enjoy this amenity-rich community that will boast a cabana, pool, pickleball and basketball courts, dog park, playground, putting green, dock, and walking trail. With easy access to nearby attractions, residents can also explore the scenic trails and natural beauty of nearby Circle B Bar Reserve, ideal for hiking and wildlife watching. Additionally, downtown Bartow is just around the corner, and is filled with local shops and dining options. James Farms is a wonderful place to live, offering a blend of comfort, convenience, and community spirit. No CDD fees!

3324 Berkley Drive, Bartow

$299,900

3 Beds ⋅ 2 Baths ⋅ Thompson Preserve SubDv. ⋅ 33830 Zip Code

SELLER'S LOSS, YOUR GAIN! Seller has to relocate due to job and selling well below what seller paid for this home! *** PRICED BELOW BUILDER PRICING WITH EQUAL UPGRADES *** CHECK OUT MY PROFESSIONAL VIRTUAL TOUR VIDEO. ***Eligible for USDA financing, with zero down payment option*** WHY WAIT for the builder to take 6 TO 8 months for construction completion of a new home when I can get you into this 17 month like new home that includes many upgrades and add-ons that the builder will charge you extra for building up their price to match this home!!! Don't pass up this opportunity to buy this HIGHLY DESIRABLE Southern Homes Newport A model plan - this home offers 1,447 S.F. of living area with the most spacious and functional open Great-room floor plan, perfect for modern living and features the following: 3 Bedrooms and 2 Bathrooms. An open living area that integrates into the kitchen, dining and gathering in the Great Room, creating a seamless flow for entertaining and everyday life. Kitchen includes 36” upgraded cabinetry. Stainless Steel Appliances provide durability with modern appearance, a closet pantry and spacious counter-height island makes for a great area for meal prepping and organizing a breeze. Flooring & Design includes Luxury Large Rectangular Tile in the Great Room, Kitchen, Entry and both bathrooms for both elegance and durability. Stain-resistant carpet in the bedrooms for added comfort and practicality. The En-Suite Bath is a true retreat with a walk-in glassed shower stall abutting the upgraded Garden Bath with a long-neck spout and dual vanity sinks. A extra large vinyl fenced back yard for added privacy and convenience for you, your family and pets. Additional Features include: a 2-car garage for parking with clean landscaping. Architectural shingles on the roof. Energy-efficient insulation and windows, ensuring comfort year-round. This home offers a perfect blend of luxury, comfort, and practicality with an open, spacious floor plan design. Call today to view this home!

1821 Thompson Preserve Boulevard, Bartow

$346,660

3 Beds ⋅ 2 Baths ⋅ James Farms SubDv. ⋅ 33830 Zip Code

Welcome to James Farms, a new Southern Homes’ community located in Bartow, FL. Homeowners are sure to enjoy this amenity-rich community that will boast a cabana, pool, pickleball and basketball courts, dog park, playground, dock, and walking trail. With easy access to nearby attractions, residents can also explore the scenic trails and natural beauty of nearby Circle B Bar Reserve, ideal for hiking and wildlife watching. Additionally, downtown Bartow is just around the corner, and is filled with local shops and dining options. James Farms is a wonderful place to live, offering a blend of comfort, convenience, and community spirit. No CDD fees!

3552 Elliot Place, Bartow

$632,158

4 Beds ⋅ 3 Baths ⋅ Walker Lake Estates SubDv. ⋅ 33830 Zip Code

Welcome to Walker Lake Estates, a Southern Homes community nestled in Alturas, FL, situated off of Alturas Babson Park Cut-Off Rd and Walker Lake Rd. Lots 6-11 provide exclusive lake access, offering residents the opportunity to enjoy the tranquil waters of Lake Walker. Surrounding the community are acres of farmland and natural beauty, perfect for those seeking a peaceful retreat. Outdoor enthusiasts will have the benefit of being nearby Lake Wales Ridge State Forest, offering miles of hiking and biking trails to enjoy. With its prime location and access to amenities, Walker Lake Estates offers residents the perfect blend of rural charm and modern comfort in Alturas.

3887 Walker Lake Road, Bartow

USDA Financing Available Homes: