Polk County property record for 3643 Opal Dr, Mulberry, FL 33860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,736 sqft · built 1988 |
| Lot Size | 0.255 acres (11,121 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $212,000 (Oct 2018) |
| Tax Bill | $1,971 (2025) |
| Deeds & Mortgages | Mar 2022 Second Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-34-142460-001080 |
| Primary APN | 23-29-34-142460-001080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,736 sqft Living Area |
| Gross Area | 2,416 sqft |
| 1st Floor Area | 1,736 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 11,121 sqft (0.255 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Florida Room |
| Porch Area | 312 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 3643 OPAL DR |
|---|---|
| City | MULBERRY |
| State | FL |
| Zip | 33860-7529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IMPERIALAKES PHASE TWO SECTION ONE B PB 69 PGS 21 THRU 26 LOT 108 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 34 |
| Legal Subdivision | IMPERIALAKES PHASE TWO SEC 1-B |
| Legal Phase | 2 |
| Legal Tract | 142460 |
| Legal Block | 2 |
| Legal Lot Number | 108 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 14906 |
3643 Opal Dr is owned and occupied by two individuals who bought it in October 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3643 OPAL DR, MULBERRY, FL 33860-7529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Oct 17, 2018 | Warranty Deed, Transfer LANDMARK MORTGAGE & ASSOCIATES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2018 · Amount on File |
| Deed Sale | Oct 17, 2018 · Amount on File |
| Prior Sale | Sep 22, 2004 · Amount on File |
| Deed Document Number | 2018218852 |
| Deed Book / Page | 10643 / 1397 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3643 OPAL DR, MULBERRY, FL 33860-7529 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3643 OPAL DR, MULBERRY, FL 33860-7529 |
| Document Number | 0000059681 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 12146/1079 |
| Instrument | 2022059681 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 17, 2018 |
| Property Address | 3643 OPAL DR, MULBERRY, FL 33860-7529 |
| Document Number | 0106431397 |
| Book / Page | 010643 / 001397 |
| Instrument Date | Oct 15, 2018 |
| Instrument | 218852 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2018 |
| Title Company | LAKELAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,484.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3643 OPAL DR MULBERRY FL 338607529, MULBERRY, FL 33860-7529 |
| Document Number | 106431399 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 010643/001399 |
| Instrument | 218853 |
| Name | LANDMARK MORTGAGE & ASSOCIATES INC |
|---|---|
| Type | Bank |
| Address | LAKELAND, FL 33801 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 16, 2048 |
The 2025 property tax bill for 3643 Opal Dr was $1,971 with a homeowner's exemption.
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 | $197,903 (+2.7%) | $250,535 (-9.05%) Land $38,000 Building $212,535 | |
| 2025 | $1,971.00 Homeowner's exemption | $192,700 | $275,450 Land $38,000 Building $237,450 |
| 2023 | $2,434.00 (+4.2%) Homeowner's exemption | $181,815 (+3%) | $281,942 (+10.19%) Land $37,000 Building $244,942 |
| 2022 | $2,336.00 Homeowner's exemption | $176,519 | $255,862 Land $35,000 Building $220,862 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3643 Opal Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 3643 Opal Dr is low, with a 0.05% annual chance of wildfire.
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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