Polk County property record for 3660 Emerald Ln, Mulberry, FL 33860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,340 sqft · built 1986 |
| Lot Size | 1.13 acres (49,654 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,000 (Sep 2018) |
| Tax Bill | $3,184 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 23-29-34-142460-002240 |
| Primary APN | 23-29-34-142460-002240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,340 sqft Living Area |
| Gross Area | 3,015 sqft |
| 1st Floor Area | 2,340 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 49,654 sqft |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 150 sqft |
| Patio Area | 216 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|
| Street Address | 3660 EMERALD LN |
|---|---|
| City | MULBERRY |
| State | FL |
| Zip | 33860-8527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IMPERIALAKES PHASE TWO SECTION ONE B PB 69 PGS 21 THRU 26 LOT 224 & PT OF UNRE LOT 224-A DESC AS BEG AT SE COR LOT 224 RUN S04-21-00E 224.73 FT S82-50-40W 151.66 FT N04-21-00W 224.73 FT N82-50-40E 151.66 FT TO POB |
| 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 | 3 |
| Legal Lot Number | 224 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 14906 |
3660 Emerald Ln is owned and occupied by an individual who bought it in September 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3660 EMERALD LN, MULBERRY, FL 33860-8527 |
| 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 |
|---|---|
| Oct 4, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Sep 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Sep 14, 2018 | Warranty Deed, Transfer · FHA Mortgage NATIONS DIRECT MTG |
| Aug 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Aug 4, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2018 · Amount on File |
| Deed Sale | Sep 14, 2018 · Amount on File |
| Prior Sale | Aug 22, 2013 · Amount on File |
| Deed Document Number | 2018195644 |
| Deed Book / Page | 10612 / 272 |
| Prior Transfer Date | Aug 4, 2017 |
| Prior Transfer Doc | 0000149726 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3660 EMERALD LN, MULBERRY, FL 33860-8527 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3660 EMERALD LN, MULBERRY, FL 33860-8527 |
| Document Number | 0000263119 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 12437/1020 |
| Instrument | 2022263119 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Sep 7, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3660 EMERALD LN, MULBERRY, FL 33860-8527 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3660 EMERALD LN, MULBERRY, FL 33860-8527 |
| Document Number | 0000248740 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 11906/294 |
| Instrument | 2021248740 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 14, 2018 |
| Property Address | 3660 EMERALD LN, MULBERRY, FL 33860-8527 |
| Document Number | 0106120272 |
| Book / Page | 010612 / 000272 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 195644 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | INTEGRITY FIRST TITLE LLC/LAKE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,023.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3660 EMERALD LN MULBERRY FL 338608527, MULBERRY, FL 33860-8527 |
| Document Number | 106120274 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 010612/000274 |
| Instrument | 195645 |
| Name | NATIONS DIRECT MTG |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3660 EMERALD LN, MULBERRY, FL 33860-8527 |
| Document Number | 0102491716 |
| Book / Page | 010249 / 001716 |
| Instrument Date | Aug 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3660 EMERALD LN MULBERRY FL 338608527, MULBERRY, FL 33860-8527 |
| Document Number | 0102491716 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 010249/001716 |
| Instrument | 168972 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 4, 2017 |
| Property Address | 3660 EMERALD LN, MULBERRY, FL 33860-8527 |
| Document Number | 0102250870 |
| Book / Page | 010225 / 000870 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 149726 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3680 EMERALD LN MULBERRY FL 338608527, MULBERRY, FL 33860-8527 |
The 2025 property tax bill for 3660 Emerald Ln was $3,184 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 | $294,216 (+2.7%) | $350,774 (-7.2%) Land $66,000 Building $284,774 | |
| 2025 | $3,184.00 Homeowner's exemption | $286,481 | $377,997 Land $66,000 Building $311,997 |
| 2023 | $3,635.00 (+3.65%) Homeowner's exemption | $270,298 (+3%) | $397,485 (+13.2%) Land $65,000 Building $332,485 |
| 2022 | $3,507.00 Homeowner's exemption | $262,425 | $351,141 Land $58,000 Building $293,141 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3660 Emerald Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 111.8 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 28 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 risk around 3660 Emerald Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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