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495 W Plumosa St, Bartow, FL, 33830

2beds
1baths
852sqft
$265,000
$311price/sqft
$2,153/moest. monthly cost
$86,120/yrincome needed

About This Home

Charming, fully remodeled country farmhouse offering 2 bedrooms and 1 bathroom on an oversized lot with no HOA! This move-in-ready home has been thoughtfully upgraded with over $110,000 in improvements, blending modern comfort with cozy farmhouse appeal. Enjoy peace of mind with a newer roof and AC (2022), fresh interior and exterior paint, updated baseboards and crown molding, and all-new flooring throughout. The home features new carpet and vinyl, upgraded lighting with energy-efficient LED fixtures inside and out, new outlets, and stylish new fans. The beautifully renovated kitchen includes updated plumbing, new flooring, and custom trim work completed in September 2024. The bathroom has also been fully remodeled, and the attic has been double insulated for improved energy efficiency and lower utility costs. Additional upgrades include a Maytag water softener system, epoxied garage floors, and brand-new gutters. Outside, enjoy your own private oasis with mature, fruit-producing trees, including mango, avocado, peach, cherry, lemon, and lime. A spacious shed on a concrete foundation provides excellent storage or workspace options. This beautifully updated farmhouse is the perfect blend of comfort, charm, and functionality, don’t miss your chance to make it yours!

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
2/10
Bartow Middle SchoolGrades 6-80.5 mi
3/10
Bartow Senior High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Refrigerator,Water Softener
  • Laundry features: In Garage

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),Crown Molding,Eating Space In Kitchen
  • Flooring: Carpet,Luxury Vinyl,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,332
  • Total interior livable area: 852 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: First

Property

Details

  • Parcel number: 253007000000021100
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Garden
  • Residential vegetation: Fruit Trees

Lot

  • Lot size: 10,485 sqft
  • Features: City Lot,Oversized Lot
  • Lot size dimensions: 105 x 100

Parking

  • Total spaces: 2
  • Parking features: Driveway,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind
Wildfire

FEMA Declared Disasters in Polk County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,339$16,068
Home Insurance *$236$2,832
Property Taxes $381$4,572
Electricity $197$2,366
Total$2,153$25,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,817/yr
40% on housing$64,590/yr
45% on housing$57,413/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$311This listing

vs Other Active Listings

Avg $/sqft

ZIP 33830$148
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33830$176
Polk County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-05Price change$265,000
2026-04-04Listed for sale$272,000
2024-09-05Listing removed$275,000
2024-09-04Price change$270,000
2024-08-15Listed for sale$250,000
2024-08-09Pending sale$250,000
2024-07-29Price change$250,000
2024-07-25Listed for sale$285,000
2023-06-30Sold$192,000
2023-05-29Pending sale$195,000
2023-04-08Listed for sale$195,000
1994-04-26Sold$9,900

For Sale by Agent

AgentViviana Garza
BrokerageKELLER WILLIAMS REALTY SMART

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