3680 Gary Rd, Mulberry, FL 33860 Property Records

Polk County property record for 3680 Gary Rd, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,557 sqft · built 1962
Lot Size	0.94 acres (40,933 sqft)
Owner	2 Individual Names on Record
Last Sale	$127,000 (Apr 2012)
Tax Bill	$1,440 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-29-33-000000-031040`

Property Details

APN / Parcel Number

Primary APN	`23-29-33-000000-031040`
Alternative APNs	`332923000000031040` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,557 sqft Living Area
Gross Area	2,157 sqft
1st Floor Area	1,557 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	40,933 sqft (0.94 acres)
Lot Dimensions	270 ft deep x 152 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	600 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Unfinished Open Porch
Porch Area	143 sqft
Utility Building	216 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	3680 GARY RD
City	MULBERRY
State	FL
Zip	33860-9764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	BEG 619 FT W & 782PT3 FT S OF NE COR OF NE1/4 OF NW1/4 FOR BEG RUN S 151PT5 FT S 89 DEG 35 MIN W 270 FT N 151PT5 FT N 89 DEG 35 MIN E 270 FT
Legal Range	23E
Legal Township	29S
Legal Section	33
Legal Subdivision	CLAVILLE PROP
Legal Tract	000000
Legal Block	3
Legal Lot Number	21
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3006
Census Tract	14904

Owner

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	2 Individual Names on Record
Mailing Address	3680 GARY RD, MULBERRY, FL 33860-9764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED STATES SENATE FCU
Aug 14, 2017	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2012 · Amount on Record
Deed Sale	Apr 12, 2012 · Amount on Record
Prior Sale	Oct 30, 1997 · Amount on Record
Deed Document Number	201265202
Deed Book / Page	8625 / 543
Transfer Doc	3922002059
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3680 GARY RD, MULBERRY, FL 33860-9764
Document Number	0112620270
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3680 GARY RD MULBERRY FL 338609764, MULBERRY, FL 33860-9764

Mortgage

Document Number	0112620270
Date	Jun 11, 2020
Book Page	011262/000270
Instrument	115956

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3680 GARY RD, MULBERRY, FL 33860-9764
Document Number	0102401156
Book / Page	010240 / 001156
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3680 GARY RD MULBERRY FL 338609764, MULBERRY, FL 33860-9764

Mortgage

Document Number	0102401156
Date	Aug 22, 2017
Book Page	010240/001156
Instrument	161852

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2047

Tax Assessment & Valuation

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		$155,734 (+2.7%)	$304,875 (+5.79%) Land $27,000 Building $277,875
2025	$1,440.00 (-21.95%) Homeowner's exemption	$151,640 (+5.99%)	$288,185 (-2.75%) Land $27,000 Building $261,185
2023	$1,845.00 (+3.83%) Homeowner's exemption	$143,074 (+3%)	$296,324 (+13.18%) Land $26,000 Building $270,324
2022	$1,777.00 Homeowner's exemption	$138,907	$261,808 Land $25,000 Building $236,808

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% 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.

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 97 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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