10 McCarthy Ave, Frostproof, FL 33843 Property Records

Polk County property record for 10 McCarthy Ave, Frostproof, FL 33843

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1943
Lot Size	0.133 acres (5,789 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,000 (Jul 2026)
Tax Bill	$1,884 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-31-28-964200-003070`

Property Details

APN / Parcel Number

Primary APN	`28-31-28-964200-003070`
Alternative APN	`83128000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	5,789 sqft (0.133 acres)
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Porch
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	10 MCCARTHY AVE
City	FROSTPROOF
State	FL
Zip	33843-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HALL ESTATE SUB PB 9 PG 42 BLK 3 LOTS 7 & 8
Legal Range	28E
Legal Township	31S
Legal Section	28
Legal Subdivision	HALL ESTATE SUBDIVISION
Legal Tract	964200
Legal Block	3
Legal Lot Number	7,8
Jurisdiction	POLK FL
Township / Civil Division	FROSTPROOF
Census Block Group	2
Census Block	2022
Census Tract	15702

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 MCCARTHY AVE, FROSTPROOF, FL 33843-1930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · FHA Mortgage VAN DYK MORTGAGE
Dec 14, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 10, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 18, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on Record
Deed Sale	Jul 21, 2026 · Amount on Record
Prior Sale	Nov 10, 2021 · Amount on Record
Deed Document Number	2026174184
Deed Book / Page	14084 / 406
Prior Transfer Date	Dec 2, 2021
Prior Transfer Doc	0000324640
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 21, 2026
Property Address	10 MCCARTHY AVE, FROSTPROOF, FL 33843-1930
Document Number	0000174184
Book / Page	14084 / 406
Instrument Date	Jul 2, 2026
Instrument	2026174184
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	COMPLETE TITLE, COMPLETE CHOICE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$98,273.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MCCARTHY AVE, FROSTPROOF, FL 33843-1930

Mortgage

Document Number	0000174185,
Date	Jul 21, 2026
Book Page	14084/410
Instrument	2026174185

Lender

Name	VAN DYK MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

Mortgage

Document Number	0000174186,
Date	Jul 21, 2026
Book Page	14084/425
Instrument	2026174186

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Amount	Amount Recorded

Interest

Rate	6.48%
Max Rate	-1%

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Dec 14, 2021
Property Address	10 MCCARTHY AVE, FROSTPROOF, FL 33843-1930
Document Number	0000324640
Book / Page	12025 / 1449
Map Reference	MB 9 PG 42
Instrument Date	Dec 2, 2021
Instrument	20210324640
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7270 NW 12TH ST # ST380, 7270, MIAMI, FL 33126-1926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7270 NW 12TH ST STE 380, 380, MIAMI, FL 33126-1900

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 10, 2021
Property Address	10 MCCARTHY AVE, FROSTPROOF, FL 33843-1930
Document Number	0000294943
Book / Page	11978 / 1737
Map Reference	MB 9 PG 42
Instrument Date	Nov 4, 2021
Instrument	2021294943
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$839.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1019 LANDING LN, 1019, DELTONA, FL 32738-7115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7270 NW 12TH ST STE 380, 380, MIAMI, FL 33126-1900

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	10 MCCARTHY AVE, FROSTPROOF, FL 33843-1930
Document Number	0107091345
Instrument Date	Dec 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 MCCARTHY AVE FROSTPROOF FL 338431930, FROSTPROOF, FL 33843-1930

Mortgage

Document Number	0107091345
Date	Dec 28, 2018
Book Page	010709/001345
Instrument	267947

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL, FL 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 27, 2033

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Frostproof City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$107,544 (+6.47%) Land $14,472 Building $93,072	$107,544 (+6.47%) Land $14,472 Building $93,072
2025	$1,884.00 (-6.96%)	$101,009 (+2.43%) Land $8,973 Building $92,036	$101,009 (+2.43%) Land $8,973 Building $92,036
2023	$2,025.00 (+6.64%)	$98,614 (+8.1%) Land $7,158 Building $91,456	$98,614 (+8.1%) Land $7,158 Building $91,456
2022	$1,899.00	$91,227 Land $5,892 Building $85,335	$91,227 Land $5,892 Building $85,335

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FROSTPROOF serves 3,425 people · EPA ID FL6530627
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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