195 Cameron St, Mulberry, FL 33860 Property Records

Polk County property record for 195 Cameron St, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,164 sqft · built 1930
Lot Size	2.07 acres (90,522 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (May 2020)
Tax Bill	$2,010 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-30-11-156500-005010`

Property Details

APN / Parcel Number

Primary APN	`23-30-11-156500-005010`
Alternative APNs	`113023156500005010` `13023000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,164 sqft Living Area
1st Floor Area	2,164 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Other
Lot Area	90,522 sqft
Lot Dimensions	250 ft deep x 355 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	1,119 sqft

Exterior Amenities

Pool Area	300 sqft
Porch	Porch
Porch Area	446 sqft
Shed	1 Shed
Shed Area	625 sqft

Location & Zoning

Street Address	195 CAMERON ST
City	MULBERRY
State	FL
Zip	33860-9056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KINGSFORD SUB PB 1 PG 32B BLK 5 LOTS 1 & 2 & CLOSED HENDRIX AVE LYING BETWEEN BLKS 5 & 6 & BLK 6 LOTS 11 THRU 14 & W 7.5 FT OF CLOSED ALLEY LYING E OF LOT 11
Legal Range	23E
Legal Township	30S
Legal Section	11
Legal Subdivision	KINGSFORD SUBDIVISION
Legal Tract	156500
Legal Block	5,6
Legal Lot Number	1,2
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2051
Census Tract	14802

Owner

195 Cameron St is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	195 CAMERON ST, MULBERRY, FL 33860-9056
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	Sep 1, 2016 · Amount on File
Deed Document Number	202094339
Deed Book / Page	11230 / 144
Prior Transfer Date	May 4, 2020
Prior Transfer Doc	0112300144
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 11, 2020
Property Address	195 CAMERON ST, MULBERRY, FL 33860-9056
Document Number	0112300144
Book / Page	011230 / 000144
Instrument Date	May 4, 2020
Instrument	94339
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	195 CAMERON ST MULBERRY FL 338609056, MULBERRY, FL 33860-9056

Mortgage

Document Number	112300146
Date	May 11, 2020
Book Page	011230/000146
Instrument	94340

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 10, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 195 Cameron St was $2,010 with a homeowner's exemption, down 23% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$195,419 (+2.7%)	$358,306 (+0.98%) Land $43,867 Building $314,439
2025	$2,010.00 (-23.05%) Homeowner's exemption	$190,281	$354,833 Land $43,867 Building $310,966
2024	$2,612.00 (+8.02%)
2023	$2,418.00 (+3.47%) Homeowner's exemption	$179,532 (+3%)	$341,897 (+0.3%) Land $38,004 Building $303,893
2022	$2,337.00 Homeowner's exemption	$174,303	$340,869 Land $17,757 Building $323,112

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

Flood

FEMA maps place 195 Cameron St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force

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

Wildfire risk around 195 Cameron St is high, ranking above 82% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 MULBERRY serves 3,780 people · EPA ID FL6531237
Water Source	Groundwater
Last State Inspection	May 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Barium resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20