3550 Bailey Rd, Mulberry, FL 33860 Property Records

Polk County property record for 3550 Bailey Rd, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1961
Lot Size	0.966 acres (42,079 sqft)
Owner	Individual on Record
Tax Bill	$1,020 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-33-000000-031070`

Property Details

APN / Parcel Number

Primary APN	`23-29-33-000000-031070`
Alternative APNs	`332923000000031070` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Terrazzo
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	42,079 sqft (0.966 acres)
Lot Dimensions	272 ft deep x 160 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	500 sqft
Carport	Carport
Carport Area	500 sqft
Porch	Patio
Porch Area	213 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3550 BAILEY RD
City	MULBERRY
State	FL
Zip	33860-9439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	BEG AT NE COR OF NE1/4 OF NW1/4 S 960 FT TO POB CONT S 160 FT W 272PT25 FT N 160 FT E 272PT25 FT TO POB LESS MAINT R/W
Legal Range	23E
Legal Township	29S
Legal Section	33
Legal Subdivision	CLAVILLE PROP
Legal Tract	000000
Legal Block	3
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3006
Census Tract	14904

Owner

Source: Polk County assessment roll, as of June 23, 2026

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

Owner of Record	Individual on Record
Mailing Address	3550 BAILEY RD, MULBERRY, FL 33860-9439
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE FUNDING USA LLC
Jun 21, 2022	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Sep 18, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 19, 2018	Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2025
Deed Sale	May 9, 2025
Prior Sale	Dec 19, 2018 · Amount on Record
Deed Document Number	2025109397
Deed Book / Page	13542 / 188
Prior Transfer Date	May 2, 2025
Prior Transfer Doc	0000109397
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jun 2, 2026
Property Address	3550 BAILEY RD, MULBERRY, FL 33860-9439
Document Number	0000130872
Book / Page	14020 / 2195
Instrument Date	May 23, 2026
Instrument	2026130872
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	UNITED WHOLESALE MORTGAGE, L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 BAILEY RD, MULBERRY, FL 33860-9439

Mortgage

Document Number	0000130872,
Date	Jun 2, 2026
Book Page	14020/2195
Instrument	2026130872

Lender

Name	MORTGAGE FUNDING USA LLC

Agreement

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

Interest

Rate	6.23%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3550 BAILEY RD, MULBERRY, FL 33860-9439
Transaction Type	Mortgage
Record Updated	Jul 4, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 BAILEY RD, MULBERRY, FL 33860-9439

Mortgage

Document Number	0000169628
Date	Jun 21, 2022
Book Page	12306/472
Instrument	2022169628

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	MONONGAHELA, PA 15063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3550 BAILEY RD, MULBERRY, FL 33860-9439
Document Number	0114320250
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Nov 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 BAILEY RD MULBERRY FL 338609439, MULBERRY, FL 33860-9439

Mortgage

Document Number	0114320250
Date	Oct 28, 2020
Book Page	011432/000250
Instrument	228788

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 19, 2018
Property Address	3550 BAILEY RD, MULBERRY, FL 33860-9439
Document Number	0107021371
Book / Page	010702 / 001371
Instrument Date	Dec 14, 2018
Instrument	262744
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$749.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 BAILEY RD MULBERRY FL 338609439, MULBERRY, FL 33860-9439

Mortgage

Document Number	107021373
Date	Dec 19, 2018
Book Page	010702/001373
Instrument	262745

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$1,020.00 (-28.57%)	$119,127 (+5.99%)	$172,285 (-2.89%) Land $31,000 Building $141,285
2023	$1,428.00 (+4.46%) Homeowner's exemption	$112,398 (+3%)	$177,410 (+12.34%) Land $30,000 Building $147,410
2022	$1,367.00 Homeowner's exemption	$109,124	$157,916 Land $29,000 Building $128,916

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 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

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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	SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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