Bartow Homes For Sale with USDA Financing!

4 Beds ⋅ 2 Baths ⋅ Liberty Rdg Ph 1 SubDv. ⋅ 33830 Zip Code

Beautiful 4-bedroom, 2-bath home with numerous upgrades, thoughtful improvements, and a relaxing water view. This well-maintained home features ceramic tile throughout the main living and wet areas, premium vinyl plank flooring in the primary bedroom, plantation shutters, fresh interior paint, and ceiling fans throughout, including the garage. Additional features include a water filtration system, attic fan and light, whole-house fan in the garage, sprinkler system, smart lock, Ring doorbell camera, two storage sheds, extra concrete surrounding the home, and wiring for a whole-house generator connection during power outages. Enjoy Florida living from the spacious 25' x 15' covered and screened back porch overlooking the water. The upgraded kitchen features an under-sink water purifier, tile backsplash, cabinet inserts and tilt-outs, extended cabinetry with butcher-block countertop, wine glass rack, and wine cooler. The laundry room offers additional wire shelving for storage. The primary suite includes a closet with built-in cabinetry and an upgraded bathroom featuring lighted medicine cabinets and mirror, a beautifully tiled shower with two shower heads and a large built-in seat. A move-in-ready home offering comfort, convenience, excellent storage, and a beautiful water view.

359 Macarthur Street, Bartow

$415,000

4 Beds ⋅ 2 Baths ⋅ Estates At Sixty SubDv. ⋅ 33830 Zip Code

Modern Luxury Meet Spacious Florida Living! Built in 2024 and ideally situated on an expansive .44-acre lot, this stunning 4-bedroom, 2-bthroom home offers the perfect combination of modern design, comfort, and privacy. From the moment you step inside, tall ceilings and beautiful wood-look tile flooring create an elevated, open and inviting atmosphere. The spacious 2-car garage offers excellent parking and storage, while the fully fenced backyard provides a private outdoor retreat with a shed for additional storage. With nearly half an acre, there is plenty of room to enjoy the outdoors, entertain guests, or create the backyard of your dreams. Best of all, enjoy the benefits of newer construction without the wait, along with a low HOA and NO CDD fees. This exceptional Bartow property delivers the space, design and modern features buyers are looking for. Schedule your private showing and experience all this beautiful home has to offer!

925 Lochland Loop, Bartow

$299,900

3 Beds ⋅ 2 Baths ⋅ Wind Mdws South Ph 2a SubDv. ⋅ 33830 Zip Code

Better than new and move-in ready! Welcome to this beautifully maintained 3-bedroom, 2-bath home offering over 1,500 square feet of thoughtfully designed living space in one of Bartow's fastest-growing communities. Built in 2024, this home combines modern finishes, an open-concept floor plan, and energy-efficient construction for comfortable Florida living. ALSO HAS THE POSSIBILITY OF ASSUMING THE EXISTING VA MORTGAGE at 4.5%! OR, buy with zero money down using USDA financing! Please call the listing agent for details! The spacious kitchen is the heart of the home, featuring a large center island with seating, granite countertops, stainless steel appliances, abundant cabinetry, and a generous pantry. The kitchen flows seamlessly into the dining and great room, creating the perfect space for entertaining family and friends or simply relaxing at home. The private owner's suite offers a peaceful retreat with a spacious walk-in closet and an ensuite bath featuring dual vanities and a large walk-in shower. Three additional bedrooms provide flexibility for family, guests, a home office, or hobby space. Enjoy durable luxury vinyl plank flooring throughout the main living areas, neutral colors that complement any décor, smart home features, and a convenient indoor laundry room. The attached two-car garage provides additional storage and everyday convenience. Step outside to a covered rear lanai overlooking the backyard—perfect for morning coffee, evening barbecues, or creating your own outdoor oasis. Located just minutes from historic downtown Bartow, shopping, restaurants, schools, parks, medical facilities, and major highways, this home offers an easy commute to Lakeland, Winter Haven, and the greater Tampa and Orlando areas. Whether you're a first-time homebuyer, growing family, seasonal resident, or investor, this exceptional home offers the perfect combination of modern style, low-maintenance living, and outstanding value. Don't miss your opportunity to own this beautiful nearly new home—schedule your private showing today!

4450 Cozy Condor Court, Bartow

$459,900

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

$240,000

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 increasingly rare. That’s what makes 4561 David Drive such a standout opportunity. Whether you’re purchasing your first home, simplifying your lifestyle, or searching for a comfortable place to enjoy the years ahead, this well-maintained 3-bedroom, 1.5-bath home brings together value, convenience, and peace of mind. Step inside to durable vinyl plank flooring throughout and a bright, welcoming living area filled with natural light. The layout feels comfortable and easy to enjoy, while the spacious primary bedroom provides a relaxing place to unwind at the end of the day. French doors lead to a fully fenced backyard that feels like your own private retreat. There’s plenty of room for pets to play, a garden to grow, quiet mornings with coffee, or relaxed afternoons spent with family and friends. Another major highlight is that several of the larger expenses have already been addressed, including a roof installed in 2018. With fewer immediate maintenance concerns, you can focus more on settling in and making the space your own. Located in an established Bartow neighborhood with no HOA restrictions, this property gives you added freedom while keeping you close to everyday conveniences. Downtown Bartow’s historic charm, local restaurants, shopping, medical facilities, and parks are just minutes away. Commuters will appreciate convenient 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 with a move-in-ready interior, private outdoor space, and exceptional value in one of Polk County’s most charming communities, this one deserves a closer look. Schedule your private showing today and see why so many love calling Bartow home.

4561 David Drive, Bartow

$239,990

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

Short Sale. SHORT SALE!!! PRICE IMPROVEMENT + MOTIVATED SELLER — BRING YOUR OFFER! 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 from the beautiful Bok Tower Gardens, you’ll enjoy a peaceful setting while still being within reach of shopping, dining, lakes, and everyday essentials. The price has been improved and the seller is motivated and ready to make a deal! With the right offer, the seller may be willing to provide assistance toward buyer closing costs. Whether you’re looking for a primary residence, an investment opportunity, or simply more space to call your own, this property offers plenty of potential. BRING YOUR OFFER Schedule your private showing today!

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

$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

$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

$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: