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1115 S Virginia Ave

Bartow, FL, 33830

Off-Market Call for Pricing

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☆☆☆☆☆★★★★★
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3 Bedrooms
1 Bathrooms
968 Sq Ft
15,499 Sq Ft

Description

Short Sale. Contract is contingent upon third party bank approval. Nestled in the heart of historic Bartow, Florida, this quaint handyman special offers a rare blend of small-town charm and modern convenience. Minutes from I-4, with Orlando, Tampa, and Lakeland all within a 45-minute drive. Zoned for Bartow High School, and nearby Union Academy and Bartow Elementary. Explore the Polk County History Center, hike at Fort Fraser Trail, or enjoy family picnics at Mary Holland Park. 1115 Virginia Ave is more than a house—it’s a gateway to Bartow’s vibrant community and Central Florida’s opportunities. Whether you’re a first-time buyer, downsizing, or expanding a portfolio, this home delivers affordability, comfort, and growth potential.

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Amenities

Garage

Pool

Garden

Security System

Internet

Telephone

Heating

Fireplace

Balcony & Patio

TV / Cable

Laundry

Hardwood Floors

Spa

Air Conditioning

Solar Power

Floor Plan

Great Views

Natural Light

Quiet

Water View

Elevator

Guest Unit(s)

Furnished

220 Volt

Property Details

List Price	$190,000
Property Type	Single Family Homes
Usable Sqft	968
Number of Stories	1 stories
Parking Spots	0 spots
Year Built	1951
Last Sold	Unknown
Sold Price	Unknown

APN #	253009424500001460
MLS #	L4951313
Property ID	321345999
Lot Sqft	15,499
Zoning	R-1
Days on Market	14
Original List Price	$199,999
Applicances	Refrigerator%
Date Updated	March 25, 2025
Date Created	March 11, 2025

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Your payment
$1,496
per month

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Principle & Interest

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HOA Dues

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Estimated payment	$1,496 /mo
Loan amount	$190,000
Down payment	$0
Interest rate	7.5%
Loan term	30 years
Taxes & insurance included?	YES
Property tax	1.2%/YR
Homeowner's insurance	$67/mo
HOA dues	$0/mo

Payment Breakdown

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Your payment
$1,496
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $287,777 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$1,329	$142	$1,188	$189,859
2	$1,329	$142	$1,187	$189,716
3	$1,329	$143	$1,186	$189,573
4	$1,329	$144	$1,185	$189,429
5	$1,329	$145	$1,184	$189,284
6	$1,329	$146	$1,183	$189,138
7	$1,329	$147	$1,182	$188,991
8	$1,329	$148	$1,181	$188,843
9	$1,329	$149	$1,180	$188,694
10	$1,329	$150	$1,179	$188,545
11	$1,329	$151	$1,178	$188,394
12	$1,329	$152	$1,177	$188,242
13	$1,329	$152	$1,177	$188,090
14	$1,329	$153	$1,176	$187,936
15	$1,329	$154	$1,175	$187,782
16	$1,329	$155	$1,174	$187,627
17	$1,329	$156	$1,173	$187,470
18	$1,329	$157	$1,172	$187,313
19	$1,329	$158	$1,171	$187,155
20	$1,329	$159	$1,170	$186,996
21	$1,329	$160	$1,169	$186,835
22	$1,329	$161	$1,168	$186,674
23	$1,329	$162	$1,167	$186,512
24	$1,329	$163	$1,166	$186,348
25	$1,329	$164	$1,165	$186,184
26	$1,329	$165	$1,164	$186,019
27	$1,329	$166	$1,163	$185,852
28	$1,329	$167	$1,162	$185,685
29	$1,329	$168	$1,161	$185,516
30	$1,329	$170	$1,159	$185,347
31	$1,329	$171	$1,158	$185,176
32	$1,329	$172	$1,157	$185,005
33	$1,329	$173	$1,156	$184,832
34	$1,329	$174	$1,155	$184,658
35	$1,329	$175	$1,154	$184,483
36	$1,329	$176	$1,153	$184,307
37	$1,329	$177	$1,152	$184,130
38	$1,329	$178	$1,151	$183,952
39	$1,329	$179	$1,150	$183,773
40	$1,329	$180	$1,149	$183,592
41	$1,329	$182	$1,147	$183,411
42	$1,329	$183	$1,146	$183,228
43	$1,329	$184	$1,145	$183,044
44	$1,329	$185	$1,144	$182,859
45	$1,329	$186	$1,143	$182,673
46	$1,329	$187	$1,142	$182,486
47	$1,329	$188	$1,141	$182,297
48	$1,329	$190	$1,139	$182,108
49	$1,329	$191	$1,138	$181,917
50	$1,329	$192	$1,137	$181,725
51	$1,329	$193	$1,136	$181,532
52	$1,329	$194	$1,135	$181,337
53	$1,329	$196	$1,133	$181,142
54	$1,329	$197	$1,132	$180,945
55	$1,329	$198	$1,131	$180,747
56	$1,329	$199	$1,130	$180,547
57	$1,329	$201	$1,128	$180,347
58	$1,329	$202	$1,127	$180,145
59	$1,329	$203	$1,126	$179,942
60	$1,329	$204	$1,125	$179,737
61	$1,329	$206	$1,123	$179,532
62	$1,329	$207	$1,122	$179,325
63	$1,329	$208	$1,121	$179,117
64	$1,329	$210	$1,119	$178,907
65	$1,329	$211	$1,118	$178,696
66	$1,329	$212	$1,117	$178,484
67	$1,329	$213	$1,116	$178,271
68	$1,329	$215	$1,114	$178,056
69	$1,329	$216	$1,113	$177,840
70	$1,329	$218	$1,112	$177,622
71	$1,329	$219	$1,110	$177,403
72	$1,329	$220	$1,109	$177,183
73	$1,329	$222	$1,107	$176,962
74	$1,329	$223	$1,106	$176,739
75	$1,329	$224	$1,105	$176,514
76	$1,329	$226	$1,103	$176,288
77	$1,329	$227	$1,102	$176,061
78	$1,329	$229	$1,100	$175,833
79	$1,329	$230	$1,099	$175,602
80	$1,329	$231	$1,098	$175,371
81	$1,329	$233	$1,096	$175,138
82	$1,329	$234	$1,095	$174,904
83	$1,329	$236	$1,093	$174,668
84	$1,329	$237	$1,092	$174,431
85	$1,329	$239	$1,090	$174,192
86	$1,329	$240	$1,089	$173,951
87	$1,329	$242	$1,087	$173,710
88	$1,329	$243	$1,086	$173,466
89	$1,329	$245	$1,084	$173,221
90	$1,329	$246	$1,083	$172,975
91	$1,329	$248	$1,081	$172,727
92	$1,329	$249	$1,080	$172,478
93	$1,329	$251	$1,078	$172,227
94	$1,329	$253	$1,076	$171,974
95	$1,329	$254	$1,075	$171,720
96	$1,329	$256	$1,073	$171,464
97	$1,329	$257	$1,072	$171,207
98	$1,329	$259	$1,070	$170,948
99	$1,329	$261	$1,068	$170,687
100	$1,329	$262	$1,067	$170,425
101	$1,329	$264	$1,065	$170,161
102	$1,329	$265	$1,064	$169,896
103	$1,329	$267	$1,062	$169,629
104	$1,329	$269	$1,060	$169,360
105	$1,329	$271	$1,059	$169,089
106	$1,329	$272	$1,057	$168,817
107	$1,329	$274	$1,055	$168,543
108	$1,329	$276	$1,053	$168,268
109	$1,329	$277	$1,052	$167,990
110	$1,329	$279	$1,050	$167,711
111	$1,329	$281	$1,048	$167,430
112	$1,329	$283	$1,046	$167,148
113	$1,329	$284	$1,045	$166,864
114	$1,329	$286	$1,043	$166,577
115	$1,329	$288	$1,041	$166,290
116	$1,329	$290	$1,039	$166,000
117	$1,329	$292	$1,038	$165,708
118	$1,329	$293	$1,036	$165,415
119	$1,329	$295	$1,034	$165,120
120	$1,329	$297	$1,032	$164,823
121	$1,329	$299	$1,030	$164,524
122	$1,329	$301	$1,028	$164,223
123	$1,329	$303	$1,026	$163,921
124	$1,329	$305	$1,025	$163,616
125	$1,329	$306	$1,023	$163,310
126	$1,329	$308	$1,021	$163,002
127	$1,329	$310	$1,019	$162,691
128	$1,329	$312	$1,017	$162,379
129	$1,329	$314	$1,015	$162,065
130	$1,329	$316	$1,013	$161,749
131	$1,329	$318	$1,011	$161,431
132	$1,329	$320	$1,009	$161,111
133	$1,329	$322	$1,007	$160,789
134	$1,329	$324	$1,005	$160,465
135	$1,329	$326	$1,003	$160,139
136	$1,329	$328	$1,001	$159,810
137	$1,329	$330	$999	$159,480
138	$1,329	$332	$997	$159,148
139	$1,329	$334	$995	$158,814
140	$1,329	$336	$993	$158,477
141	$1,329	$339	$990	$158,139
142	$1,329	$341	$988	$157,798
143	$1,329	$343	$986	$157,455
144	$1,329	$345	$984	$157,110
145	$1,329	$347	$982	$156,763
146	$1,329	$349	$980	$156,414
147	$1,329	$351	$978	$156,063
148	$1,329	$354	$975	$155,709
149	$1,329	$356	$973	$155,353
150	$1,329	$358	$971	$154,995
151	$1,329	$360	$969	$154,635
152	$1,329	$363	$966	$154,272
153	$1,329	$365	$964	$153,908
154	$1,329	$367	$962	$153,541
155	$1,329	$369	$960	$153,171
156	$1,329	$372	$957	$152,799
157	$1,329	$374	$955	$152,425
158	$1,329	$376	$953	$152,049
159	$1,329	$379	$950	$151,670
160	$1,329	$381	$948	$151,289
161	$1,329	$383	$946	$150,906
162	$1,329	$386	$943	$150,520
163	$1,329	$388	$941	$150,132
164	$1,329	$391	$938	$149,741
165	$1,329	$393	$936	$149,348
166	$1,329	$396	$933	$148,952
167	$1,329	$398	$931	$148,554
168	$1,329	$401	$928	$148,154
169	$1,329	$403	$926	$147,751
170	$1,329	$406	$923	$147,345
171	$1,329	$408	$921	$146,937
172	$1,329	$411	$918	$146,527
173	$1,329	$413	$916	$146,113
174	$1,329	$416	$913	$145,698
175	$1,329	$418	$911	$145,279
176	$1,329	$421	$908	$144,858
177	$1,329	$424	$905	$144,435
178	$1,329	$426	$903	$144,008
179	$1,329	$429	$900	$143,579
180	$1,329	$432	$897	$143,148
181	$1,329	$434	$895	$142,713
182	$1,329	$437	$892	$142,276
183	$1,329	$440	$889	$141,837
184	$1,329	$443	$886	$141,394
185	$1,329	$445	$884	$140,949
186	$1,329	$448	$881	$140,501
187	$1,329	$451	$878	$140,050
188	$1,329	$454	$875	$139,596
189	$1,329	$457	$872	$139,140
190	$1,329	$459	$870	$138,680
191	$1,329	$462	$867	$138,218
192	$1,329	$465	$864	$137,753
193	$1,329	$468	$861	$137,285
194	$1,329	$471	$858	$136,814
195	$1,329	$474	$855	$136,340
196	$1,329	$477	$852	$135,863
197	$1,329	$480	$849	$135,383
198	$1,329	$483	$846	$134,900
199	$1,329	$486	$843	$134,414
200	$1,329	$489	$840	$133,925
201	$1,329	$492	$837	$133,434
202	$1,329	$495	$834	$132,938
203	$1,329	$498	$831	$132,440
204	$1,329	$501	$828	$131,939
205	$1,329	$504	$825	$131,435
206	$1,329	$508	$821	$130,927
207	$1,329	$511	$818	$130,416
208	$1,329	$514	$815	$129,903
209	$1,329	$517	$812	$129,385
210	$1,329	$520	$809	$128,865
211	$1,329	$524	$805	$128,342
212	$1,329	$527	$802	$127,815
213	$1,329	$530	$799	$127,285
214	$1,329	$533	$796	$126,751
215	$1,329	$537	$792	$126,214
216	$1,329	$540	$789	$125,674
217	$1,329	$544	$785	$125,131
218	$1,329	$547	$782	$124,584
219	$1,329	$550	$779	$124,033
220	$1,329	$554	$775	$123,479
221	$1,329	$557	$772	$122,922
222	$1,329	$561	$768	$122,361
223	$1,329	$564	$765	$121,797
224	$1,329	$568	$761	$121,229
225	$1,329	$571	$758	$120,658
226	$1,329	$575	$754	$120,083
227	$1,329	$578	$751	$119,505
228	$1,329	$582	$747	$118,923
229	$1,329	$586	$743	$118,337
230	$1,329	$589	$740	$117,748
231	$1,329	$593	$736	$117,154
232	$1,329	$597	$732	$116,558
233	$1,329	$601	$728	$115,957
234	$1,329	$604	$725	$115,353
235	$1,329	$608	$721	$114,745
236	$1,329	$612	$717	$114,133
237	$1,329	$616	$713	$113,517
238	$1,329	$620	$709	$112,898
239	$1,329	$623	$706	$112,274
240	$1,329	$627	$702	$111,647
241	$1,329	$631	$698	$111,016
242	$1,329	$635	$694	$110,381
243	$1,329	$639	$690	$109,742
244	$1,329	$643	$686	$109,099
245	$1,329	$647	$682	$108,451
246	$1,329	$651	$678	$107,800
247	$1,329	$655	$674	$107,145
248	$1,329	$659	$670	$106,486
249	$1,329	$663	$666	$105,822
250	$1,329	$668	$661	$105,155
251	$1,329	$672	$657	$104,483
252	$1,329	$676	$653	$103,807
253	$1,329	$680	$649	$103,127
254	$1,329	$684	$645	$102,442
255	$1,329	$689	$640	$101,753
256	$1,329	$693	$636	$101,060
257	$1,329	$697	$632	$100,363
258	$1,329	$702	$627	$99,661
259	$1,329	$706	$623	$98,955
260	$1,329	$711	$618	$98,245
261	$1,329	$715	$614	$97,530
262	$1,329	$719	$610	$96,810
263	$1,329	$724	$605	$96,086
264	$1,329	$728	$601	$95,358
265	$1,329	$733	$596	$94,625
266	$1,329	$738	$591	$93,887
267	$1,329	$742	$587	$93,145
268	$1,329	$747	$582	$92,398
269	$1,329	$752	$577	$91,647
270	$1,329	$756	$573	$90,890
271	$1,329	$761	$568	$90,130
272	$1,329	$766	$563	$89,364
273	$1,329	$770	$559	$88,593
274	$1,329	$775	$554	$87,818
275	$1,329	$780	$549	$87,038
276	$1,329	$785	$544	$86,253
277	$1,329	$790	$539	$85,463
278	$1,329	$795	$534	$84,668
279	$1,329	$800	$529	$83,868
280	$1,329	$805	$524	$83,064
281	$1,329	$810	$519	$82,254
282	$1,329	$815	$514	$81,439
283	$1,329	$820	$509	$80,619
284	$1,329	$825	$504	$79,794
285	$1,329	$830	$499	$78,963
286	$1,329	$835	$494	$78,128
287	$1,329	$841	$488	$77,287
288	$1,329	$846	$483	$76,441
289	$1,329	$851	$478	$75,590
290	$1,329	$857	$472	$74,733
291	$1,329	$862	$467	$73,871
292	$1,329	$867	$462	$73,004
293	$1,329	$873	$456	$72,131
294	$1,329	$878	$451	$71,253
295	$1,329	$884	$445	$70,370
296	$1,329	$889	$440	$69,480
297	$1,329	$895	$434	$68,586
298	$1,329	$900	$429	$67,685
299	$1,329	$906	$423	$66,779
300	$1,329	$912	$417	$65,868
301	$1,329	$917	$412	$64,950
302	$1,329	$923	$406	$64,027
303	$1,329	$929	$400	$63,098
304	$1,329	$935	$394	$62,164
305	$1,329	$940	$389	$61,223
306	$1,329	$946	$383	$60,277
307	$1,329	$952	$377	$59,325
308	$1,329	$958	$371	$58,367
309	$1,329	$964	$365	$57,402
310	$1,329	$970	$359	$56,432
311	$1,329	$976	$353	$55,456
312	$1,329	$982	$347	$54,473
313	$1,329	$989	$340	$53,485
314	$1,329	$995	$334	$52,490
315	$1,329	$1,001	$328	$51,489
316	$1,329	$1,007	$322	$50,482
317	$1,329	$1,013	$316	$49,469
318	$1,329	$1,020	$309	$48,449
319	$1,329	$1,026	$303	$47,422
320	$1,329	$1,033	$296	$46,390
321	$1,329	$1,039	$290	$45,351
322	$1,329	$1,046	$283	$44,305
323	$1,329	$1,052	$277	$43,253
324	$1,329	$1,059	$270	$42,195
325	$1,329	$1,065	$264	$41,129
326	$1,329	$1,072	$257	$40,057
327	$1,329	$1,079	$250	$38,979
328	$1,329	$1,085	$244	$37,893
329	$1,329	$1,092	$237	$36,801
330	$1,329	$1,099	$230	$35,702
331	$1,329	$1,106	$223	$34,596
332	$1,329	$1,113	$216	$33,483
333	$1,329	$1,120	$209	$32,364
334	$1,329	$1,127	$202	$31,237
335	$1,329	$1,134	$195	$30,103
336	$1,329	$1,141	$188	$28,962
337	$1,329	$1,148	$181	$27,814
338	$1,329	$1,155	$174	$26,659
339	$1,329	$1,162	$167	$25,497
340	$1,329	$1,170	$159	$24,327
341	$1,329	$1,177	$152	$23,150
342	$1,329	$1,184	$145	$21,966
343	$1,329	$1,192	$137	$20,774
344	$1,329	$1,199	$130	$19,575
345	$1,329	$1,207	$122	$18,368
346	$1,329	$1,214	$115	$17,154
347	$1,329	$1,222	$107	$15,932
348	$1,329	$1,229	$100	$14,703
349	$1,329	$1,237	$92	$13,466
350	$1,329	$1,245	$84	$12,221
351	$1,329	$1,253	$76	$10,968
352	$1,329	$1,260	$69	$9,708
353	$1,329	$1,268	$61	$8,440
354	$1,329	$1,276	$53	$7,163
355	$1,329	$1,284	$45	$5,879
356	$1,329	$1,292	$37	$4,587
357	$1,329	$1,300	$29	$3,287
358	$1,329	$1,308	$21	$1,978
359	$1,329	$1,317	$12	$662
360	$1,329	$1,325	$4	$0

Our powerful mortgage calculator tools helps you estimate your potential mortgage payment on the purchase of a property. Use our tool to find the ideal combination of interest rates, downpayment and real estate purchase price to see the payment that best suits you. Please consult a licensed loan officer to be pre-approved for financing options.

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© 2025 STELLAR MLS. All rights reserved. Some listings on this website are from STELLAR as of March 25, 2025 The information being provided is 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.