3575 Lark Ln, Mulberry, FL 33860 Property Records

Polk County property record for 3575 Lark Ln, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,793 sqft · built 1987
Lot Size	0.433 acres (18,848 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jun 2026)
Tax Bill	$3,064 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-29-28-142050-001060`

Property Details

APN / Parcel Number

Primary APN	`23-29-28-142050-001060`
Alternative APNs	`282923142050001060` `82923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,793 sqft Living Area
Gross Area	2,299 sqft
1st Floor Area	1,793 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	18,848 sqft (0.433 acres)
Lot Dimensions	145 ft deep x 130 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	506 sqft
Porch	Unfinished Open Porch
Porch Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3575 LARK LN
City	MULBERRY
State	FL
Zip	33860-9349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	PINE LAKE SUB PB-56 PG 18 LOT 106
Legal Range	23E
Legal Township	29S
Legal Section	28
Legal Subdivision	PINE LAKE SUBDIVISION
Legal Tract	142050
Legal Block	1
Legal Lot Number	106
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1004
Census Tract	14905

Owner

3575 Lark Ln is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3575 LARK LN, MULBERRY, FL 33860-9349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Jun 29, 2026	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC
May 3, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	May 3, 2024 · Amount on File
Deed Document Number	2026154989
Deed Book / Page	14056 / 118
Prior Transfer Date	Aug 19, 2015
Prior Transfer Doc	0096070874
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 29, 2026
Property Address	3575 LARK LN, MULBERRY, FL 33860-9349
Document Number	0000154989
Book / Page	14056 / 118
Instrument Date	Jun 26, 2026
Instrument	2026154989
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3575 LARK LN, MULBERRY, FL 33860-9349

Mortgage

Document Number	0000154990,
Date	Jun 29, 2026
Instrument	2026154990

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 3, 2024
Property Address	3575 LARK LN, MULBERRY, FL 33860-9349
Document Number	0000103622
Book / Page	13103 / 2216
Map Reference	MB 56 PG 18
Instrument Date	Apr 30, 2024
Instrument	2024103622
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,327.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6376 GARDNER DR, LAKELAND, FL 33813-4477

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3575 LARK LN, MULBERRY, FL 33860-9349

Mortgage

Document Number	0131032218
Date	May 3, 2024
Instrument	13103/2218

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 3575 Lark Ln was $3,064, up 32.6% 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		$244,339 (-11.86%) Land $31,000 Building $213,339	$244,339 (-11.86%) Land $31,000 Building $213,339
2025	$3,064.00 (+32.64%)	$277,225 Land $31,000 Building $246,225	$277,225 Land $31,000 Building $246,225
2024	$2,310.00 (+8.2%)
2023	$2,135.00 (+4.1%) Homeowner's exemption	$163,633 (+3%)	$313,878 (+15.01%) Land $30,000 Building $283,878
2022	$2,051.00 Homeowner's exemption	$158,867	$272,917 Land $29,000 Building $243,917

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

FEMA maps place 3575 Lark Ln in Zone X, an area of minimal flood risk.

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	7 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 3575 Lark Ln is low, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.09% 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	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 286 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

May also be available: T-Mobile.

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