Polk County property record for 3734 Opal Dr, Mulberry, FL 33860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,802 sqft · built 1986 |
| Lot Size | 0.283 acres (12,323 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Jun 2026) |
| Tax Bill | $1,192 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-34-142460-001420 |
| Primary APN | 23-29-34-142460-001420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,802 sqft Living Area |
| Gross Area | 2,242 sqft |
| 1st Floor Area | 1,802 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 12,323 sqft (0.283 acres) |
| Lot Dimensions | 145 ft deep x 85 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 402 sqft |
| Cooling System | Central |
|---|
| Street Address | 3734 OPAL DR |
|---|---|
| City | MULBERRY |
| State | FL |
| Zip | 33860-8509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IMPERIALAKES PHASE TWO SECTION ONE B PB 69 PGS 21 THRU 26 LOT 142 |
| 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 | 142 |
| 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 | 3734 OPAL DR, MULBERRY, FL 33860-8509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Jun 9, 2026 | Warranty Deed, Transfer SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2026 · Amount on Record |
| Deed Sale | Jun 9, 2026 · Amount on Record |
| Prior Sale | Jan 22, 2008 · Amount on Record |
| Deed Document Number | 2026137280 |
| Deed Book / Page | 14030 / 1881 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 9, 2026 |
| Property Address | 3734 OPAL DR, MULBERRY, FL 33860-8509 |
| Document Number | 0000137280 |
| Book / Page | 14030 / 1881 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 2026137280 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $233,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3734 OPAL DR, MULBERRY, FL 33860-8509 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3734 OPAL DR, MULBERRY, FL 33860-8509 |
| Document Number | 0114080855 |
| Instrument Date | Sep 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3734 OPAL DR MULBERRY MULBERRY FL 33860, MULBERRY, FL 33860 |
| Document Number | 0114080855 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 011408/000855 |
| Instrument | 213598 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2050 |
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 | $136,019 (+2.7%) | $285,190 (-4.29%) Land $38,000 Building $247,190 | |
| 2025 | $1,192.00 (-35.5%) Homeowner's exemption | $132,443 (+5.99%) | $297,977 (-0.25%) Land $38,000 Building $259,977 |
| 2024 | $1,848.00 (+9.41%) | ||
| 2023 | $1,689.00 (+5.36%) Homeowner's exemption | $124,961 (+3%) | $298,736 (+11.78%) Land $37,000 Building $261,736 |
| 2022 | $1,603.00 Homeowner's exemption | $121,321 | $267,248 Land $35,000 Building $232,248 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| 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 | Direct burnable vegetation |
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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