3620 Willow Oak Rd, Mulberry, FL 33860 Property Records

Polk County property record for 3620 Willow Oak Rd, Mulberry, FL 33860

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 2,088 sqft · built 1988
Lot Size	0.249 acres (10,851 sqft)
Owner	Company Name on File
Last Sale	$300,000 (May 2025)
Tax Bill	$2,791 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-29-32-000000-011240`

Property Details

APN / Parcel Number

Primary APN	`23-29-32-000000-011240`
Alternative APNs	`322923000000011240` `22923000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	2 Units
Stories	1 Story
Building Area	2,088 sqft Living Area
1st Floor Area	2,088 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2010
Architectural Style	Duplex Single
Lot Area	10,851 sqft (0.249 acres)
Lot Dimensions	102 ft deep x 106 ft wide
View / Lot	Lake
Canopy	96 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3620 WILLOW OAK RD
City	MULBERRY
State	FL
Zip	33860-9565
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Description	S 102.51 FT OF N 721.21 FT OF W 106 FT OF E 238.45 FT OF NE1/4 OF NE1/4 BEING PART OF LOT 5 OF UNRE SABEL SQUARE
Legal Range	23E
Legal Township	29S
Legal Section	32
Legal Subdivision	ALDERMAN J M
Legal Block	3
Legal Lot Number	5
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3002
Census Tract	14904

Owner

3620 Willow Oak Rd, a duplex, is owned by a company that bought it in May 2025.

Source: Polk County records, as of October 12, 2026

Owner of Record	Company Name on File
Mailing Address	W816 BROOKLYN J RD, RIPON, WI 54971-9421
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 17, 2020	Warranty Deed, Transfer · Conventional Mortgage SOUTH ST BK
Nov 25, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2025 · Amount on File
Deed Sale	May 28, 2025 · Amount on File
Prior Sale	Sep 17, 2020 · Amount on File
Deed Document Number	2025123789
Deed Book / Page	13562 / 1233
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 17, 2020
Property Address	3620 WILLOW OAK RD, MULBERRY, FL 33860-9565
Document Number	0113791041
Book / Page	011379 / 001041
Instrument Date	Sep 9, 2020
Instrument	194561
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 W REYNOLDS ST PLANT CITY FL 335634737, PLANT CITY, FL 33563-4737

Mortgage

Document Number	113791043
Date	Sep 17, 2020
Book Page	011379/001043
Instrument	194562

Lender

Name	SOUTH ST BK
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 25, 2019
Property Address	3620 WILLOW OAK RD, MULBERRY, FL 33860-9565
Document Number	0110531603
Book / Page	011053 / 001603
Instrument Date	Nov 18, 2019
Instrument	250776
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3110 MCINTOSH RD DOVER FL 335274822, DOVER, FL 33527-4822

Mortgage

Document Number	110531605
Date	Nov 25, 2019
Book Page	011053/001605
Instrument	250777

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3620 Willow Oak Rd was $2,791.

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		$241,800 (+33%) Land $12,500 Building $125,400	$241,800 (-8.82%) Land $12,500 Building $125,400
2025	$2,791.00	$181,799	$265,200 Land $12,500 Building $128,193
2023	$2,752.00 (+6.87%)	$150,247 (+8.06%) Land $12,000 Building $138,247	$150,247 (+8.06%) Land $12,000 Building $138,247
2022	$2,575.00	$139,038 Land $10,000 Building $129,038	$139,038 Land $10,000 Building $129,038

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3620 Willow Oak Rd 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	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

Wildfire risk around 3620 Willow Oak Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 165 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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