Polk County property record for 3634 Opal Dr, Mulberry, FL 33860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,418 sqft · built 1994 |
| Lot Size | 0.266 acres (11,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Jul 2019) |
| Tax Bill | $1,680 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-34-142450-001320 |
| Primary APN | 23-29-34-142450-001320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,418 sqft Living Area |
| Gross Area | 1,858 sqft |
| 1st Floor Area | 1,418 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,583 sqft (0.266 acres) |
| Lot Dimensions | 116 ft deep x 92 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 50 sqft |
| Cooling System | Central |
|---|
| Street Address | 3634 OPAL DR |
|---|---|
| City | MULBERRY |
| State | FL |
| Zip | 33860-7507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | IMPERIALAKES PHASE TWO SECTION ONE A PB 68 PGS 16 & 17 LOT 132 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 34 |
| Legal Subdivision | IMPERIALAKES PHASE TWO SEC 1-A |
| Legal Phase | 2 |
| Legal Tract | 142450 |
| Legal Block | 2 |
| Legal Lot Number | 132 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 14906 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3634 OPAL DR, MULBERRY, FL 33860-7507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ALLIED FIRST BANK SB |
| Jul 3, 2019 | Warranty Deed, Transfer · FHA Mortgage ALLIED FIRST BK SB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2019 · Amount on Record |
| Deed Sale | Jul 3, 2019 · Amount on Record |
| Prior Sale | Jun 8, 2005 · Amount on Record |
| Deed Document Number | 2019138483 |
| Deed Book / Page | 10895 / 1690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3634 OPAL DR, MULBERRY, FL 33860-7507 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Title Company | PGP TITLE |
| Name | Verified Name |
|---|---|
| Address | 2634 OPAL DR, MULBERRY, FL 33860 |
| Document Number | 0000030590 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 11569/960 |
| Instrument | 2021030590 |
| Name | ALLIED FIRST BANK SB |
|---|---|
| Type | Bank |
| Address | OSWEGO, IL 60543 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 3, 2019 |
| Property Address | 3634 OPAL DR, MULBERRY, FL 33860-7507 |
| Document Number | 0108951690 |
| Book / Page | 010895 / 001690 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 138483 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3634 OPAL DR MULBERRY FL 338607507, MULBERRY, FL 33860-7507 |
| Document Number | 108951691 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 010895/001691 |
| Instrument | 138484 |
| Name | ALLIED FIRST BK SB |
|---|---|
| Type | Bank |
| Address | OSWEGO, IL 60543 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 2, 2049 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $174,791 (+2.7%) | $214,646 (-5.5%) Land $34,000 Building $180,646 | |
| 2025 | $1,680.00 (-19.39%) Homeowner's exemption | $170,196 (+5.99%) | $227,133 (-6.88%) Land $34,000 Building $193,133 |
| 2023 | $2,084.00 (+3.73%) Homeowner's exemption | $160,582 (+3%) | $243,915 (+16.61%) Land $33,000 Building $210,915 |
| 2022 | $2,009.00 Homeowner's exemption | $155,905 | $209,167 Land $31,000 Building $178,167 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 337 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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