34 Armadillo Rd, Frostproof, FL 33843 Property Records

Polk County property record for 34 Armadillo Rd, Frostproof, FL 33843

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,869 sqft · built 2004
Lot Size	1.57 acres (68,755 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,000 (Dec 2021)
Tax Bill	$1,285 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2018 Mortgage
Flood Zone	Zone A (high risk)
APN	`28-32-12-000000-014300`

Property Details

APN / Parcel Number

Primary APN	`28-32-12-000000-014300`
Alternative APNs	`123228000000014300` `23228000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,869 sqft Living Area
Gross Area	2,409 sqft
1st Floor Area	1,869 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	68,755 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	540 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	40 sqft

Location & Zoning

Street Address	34 ARMADILLO RD
City	FROSTPROOF
State	FL
Zip	33843-7635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 OF UNRE MIAMI GREEN VALLEY DESC AS BEG 2682.51 FT N & 2116 FT W OF SE COR SEC RUN SELY ALONG CURVE 55.85 FT S 280 FT M/L TO CREEK NWLY ALONG CREEK TO A PT S 64 DEG 00 MIN W FROM POB N 64 DEG 00 MIN E 250 FT TO POB
Legal Range	28E
Legal Township	32S
Legal Section	12
Legal Subdivision	MIAMI GREEN VALLEY (UNREC)
Legal Tract	000000
Legal Block	3
Legal Lot Number	32
Jurisdiction	POLK FL
Township / Civil Division	FROSTPROOF
Census Block Group	3
Census Block	3028
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	34 ARMADILLO RD, FROSTPROOF, FL 33843-7635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2021 · Amount on Record
Deed Sale	Dec 29, 2021 · Amount on Record
Prior Sale	Dec 28, 2021 · Amount on Record
Deed Document Number	2021337724
Deed Book / Page	12047 / 808
Prior Transfer Date	Apr 3, 2003
Prior Transfer Doc	0053330064
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 29, 2021
Property Address	34 ARMADILLO RD, FROSTPROOF, FL 33843-7635
Document Number	0000337724
Book / Page	12047 / 808
Instrument Date	Dec 22, 2021
Instrument	2021337724
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	SMART TITLE II LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,261.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 BRADFORD BLVD, 5, FROSTPROOF, FL 33843-9648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 ARMADILLO RD, FROSTPROOF, FL 33843-7635

Mortgage

Document Number	0012047810
Date	Dec 29, 2021
Instrument	12047/810

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	34 ARMADILLO RD, FROSTPROOF, FL 33843-7635
Document Number	0106601703
Instrument Date	Oct 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 ARMADILLO RD FROSTPROOF FL 338437635, FROSTPROOF, FL 33843-7635

Mortgage

Document Number	0106601703
Date	Nov 2, 2018
Book Page	010660/001703
Instrument	231429

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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		$143,420 (+2.7%)	$276,067 (+3.66%) Land $40,614 Building $235,453
2025	$1,285.00 (-25.89%) Homeowner's exemption	$139,649 (+5.99%)	$266,319 (-1.86%) Land $23,064 Building $243,255
2023	$1,734.00 (+3.89%) Homeowner's exemption	$131,760 (+3%)	$271,380 (+11.1%) Land $22,389 Building $248,991
2022	$1,669.00 Homeowner's exemption	$127,922	$244,265 Land $18,744 Building $225,521

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 34 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	23 (2004–2022)
Claims Outside the SFHA	13 of 23
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 9 claims Hurricane Frances, Sep 2004 · 3 claims

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	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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