Polk County property record for 3798 Garnet Dr, Mulberry, FL 33860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,602 sqft · built 1982 |
| Lot Size | 0.273 acres (11,874 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Jan 2014) |
| Tax Bill | $920 (2025) |
| Deeds & Mortgages | May 2019 Line of Credit Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-34-142450-000810 |
| Primary APN | 23-29-34-142450-000810 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,602 sqft Living Area |
| Gross Area | 2,129 sqft |
| 1st Floor Area | 1,343 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,874 sqft (0.273 acres) |
| Lot Dimensions | 125 ft deep x 95 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 527 sqft |
| Porch | Florida Room |
| Porch Area | 415 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 3798 GARNET DR |
|---|---|
| City | MULBERRY |
| State | FL |
| Zip | 33860-8621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | IMPERIALAKES PHASE TWO SECTION ONE A PB 68 PGS 16 & 17 LOT 81 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 34 |
| Legal Subdivision | IMPERIALAKES PHASE TWO SEC 1-A |
| Legal Phase | 2 |
| Legal Tract | 142450 |
| Legal Block | 2 |
| Legal Lot Number | 81 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 14906 |
3798 Garnet Dr is owned and occupied by two individuals who bought it in January 2014.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3798 GARNET DR, MULBERRY, FL 33860-8621 |
| 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 |
|---|---|
| May 14, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK |
| Apr 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RP FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2014 · Amount on File |
| Deed Sale | Jan 3, 2014 · Amount on File |
| Prior Sale | Jun 18, 2013 · Amount on File |
| Deed Document Number | 20141424 |
| Deed Book / Page | 9148 / 1714 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3798 GARNET DR, MULBERRY, FL 33860-8621 |
| Document Number | 0108540621 |
| Instrument Date | May 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3798 GARNET DR MULBERRY FL 338608621, MULBERRY, FL 33860-8621 |
| Document Number | 0108540621 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 010854/000621 |
| Instrument | 108859 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 27, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3798 GARNET DR, MULBERRY, FL 33860-8621 |
| Document Number | 0104971179 |
| Instrument Date | Apr 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 798 GARNET DR MULBERRY FL 33860, MULBERRY, FL 33860 |
| Document Number | 0104971179 |
|---|---|
| Date | May 25, 2018 |
| Book Page | 010497/001179 |
| Instrument | 112973 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 24, 2033 |
The 2025 property tax bill for 3798 Garnet Dr was $920 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 | $114,435 (+2.7%) | $227,877 (-4.26%) Land $34,000 Building $193,877 | |
| 2025 | $920.00 Homeowner's exemption | $111,426 | $238,023 Land $34,000 Building $204,023 |
| 2023 | $1,356.00 (+4.87%) Homeowner's exemption | $105,132 (+3%) | $253,526 (+19.93%) Land $33,000 Building $220,526 |
| 2022 | $1,293.00 Homeowner's exemption | $102,070 | $211,399 Land $31,000 Building $180,399 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3798 Garnet 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 3798 Garnet 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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