Polk County property record for 3784 Opal Dr, Mulberry, FL 33860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,619 sqft · built 1981 |
| Lot Size | 0.283 acres (12,341 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,000 (Sep 2021) |
| Tax Bill | $2,781 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-34-142460-001470 |
| Primary APN | 23-29-34-142460-001470 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,619 sqft Living Area |
| Gross Area | 2,343 sqft |
| 1st Floor Area | 1,619 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,341 sqft (0.283 acres) |
| Lot Dimensions | 145 ft deep x 88 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Florida Room |
| Porch Area | 372 sqft |
| Cooling System | Central |
|---|
| Street Address | 3784 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 147 |
| 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 | 147 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3784 OPAL DR, MULBERRY, FL 33860-8509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Dec 21, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2021 · Amount on Record |
| Deed Sale | Sep 9, 2021 · Amount on Record |
| Prior Sale | Jul 29, 2014 · Amount on Record |
| Deed Document Number | 2021235495 |
| Deed Book / Page | 11884 / 2074 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 9, 2021 |
| Property Address | 3784 OPAL DR, MULBERRY, FL 33860-8509 |
| Document Number | 0000235495 |
| Book / Page | 11884 / 2074 |
| Map Reference | MB 69 PG 21-26 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021235495 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2021 |
| Title Company | ISLAND TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8604 LAKELAND HIGHLANDS RD, 8604, LAKELAND, FL 33813 |
| Name | Verified Name |
|---|---|
| Address | 3784 OPAL DR, MULBERRY, FL 33860-8509 |
| Document Number | 0118842075 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 11884/2075 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3784 OPAL DR, MULBERRY, FL 33860-8509 |
| Document Number | 0103540094 |
| Book / Page | 010354 / 000094 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3784 OPAL DR MULBERRY FL 338608509, MULBERRY, FL 33860-8509 |
| Document Number | 0103540094 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 010354/000094 |
| Instrument | 250252 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 28, 2047 |
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 | $257,341 (+0.78%) Land $38,000 Building $219,341 | $257,341 (-4.21%) Land $38,000 Building $219,341 | |
| 2025 | $2,781.00 (-13.36%) Homeowner's exemption | $255,360 (+5.99%) | $268,664 (-0.3%) Land $38,000 Building $230,664 |
| 2023 | $3,210.00 (+3.58%) Homeowner's exemption | $240,935 (+3%) | $269,467 (+10.84%) Land $37,000 Building $232,467 |
| 2022 | $3,099.00 Homeowner's exemption | $233,917 | $243,120 Land $35,000 Building $208,120 |
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 |
|---|---|
| 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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