1540 Rosa CT, photo 1
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Overview

3 bd2 ba2,232 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1989
Lot15,699 sqft
Living area2,232 sqft
Price / sqft$199
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanSplit BedroomThermostatVaulted Ceiling(s)Walk-in Closet(s)Private Mailbox

1540 Rosa CT is a 1989-built home in Sago Palms Sub, Bartow. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,232 square feet of living space. Listed at $445,000 (about $199/sqft), 9 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. (One or more photo(s) were 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.

The essentials

Built
1989
Price / sqft
$199
On market
9 days
Annual tax
$3,616
Flood zone
X · Low risk
Lot
15,699 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
Private pool
In Ground
2 car garage
Driveway
0.36 acres
Lot size
2,232 sqft
Living area

Payment

Est. monthly payment
$2,845/mo
Down payment (20%)
$89,000
Property taxes
$301/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
15,699 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Pool
In Ground, Gunite, Screen Enclosure
Days on Market
9
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Private Mailbox
Private Yard
Rain Gutters
Dishwasher
Electric Water Heater
Microwave
Range
Elementary
Spessard L. Holland Elementary
Middle
Bartow Middle
High
Bartow High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,616
Parcel #
25-29-32-363420-000210

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Sago Palms Sub
County
Polk
MLS Area
33830 - Bartow
Lot Size
15,699 sqft
LandscapedUnincorporated

Price history

Date
Event
Price
10/3/2026
Listed for sale
Source: Stellar MLS #L4965646
$445,000
$199/sqft

Neighborhood

1540 Rosa CT
Bartow, FL, 33830 · 33830 - Bartow

Market insights

Offer Insights

Choose an offer strength

List price: $445,000
$442,500 – $445,000
99.5% – 100% of listTops out right at the list price
80% of listList price
115 of the last 206 home closings in 33830 landed at this number or higher (56%). The median one sat 43 days before it went under contract, and this one is on day 9.

Sample: 206 closed home sales in 33830 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,845/mo
Principal & interest$2,321
Property taxes$301
Insurance$223
Down payment20% · $89,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$445,000

$199 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,232 sq ft

Time on market

9 days

Year built

1989

Monthly payment

About $2,845/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,616 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byS & D REAL ESTATE SERVICE LLCListing agent: Mary FerryListing data from Stellar MLS, MLS# L4965646.

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