Floral Lakes is a retirement community of 336 homes built around five lakes, intended for residents 55 years and older, located in Bartow, Florida. Residents own their land as well as their manufactured homes, which range in price from $40,000 to $85,000. Floral Lakes is homeowner managed. There is limited access by residents and their guests. Association fees are $55 a month. Located in one of the most hurricane sheltered parts of peninsular Florida, our taxes and insurance rates are among the lowest. Bartow, the county seat of Polk County, is known as the City Of Oaks And Azaleas.