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3868 Garnet Dr, Mulberry, FL 33860 Property Records

Polk County property record for 3868 Garnet Dr, Mulberry, FL 33860

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,439 sqft · built 1984
Lot Size0.257 acres (11,212 sqft)
Owner2 Individual Names on Record
Last Sale$175,000 (Mar 2022)
Tax Bill$2,428 (2025)
Deeds & MortgagesMar 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN23-29-34-142450-000880

Property Details

APN / Parcel Number

Primary APN23-29-34-142450-000880
Alternative APNs
  • 342923142450000880
  • 42923000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,439 sqft Living Area
Gross Area1,959 sqft
1st Floor Area1,439 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area11,212 sqft (0.257 acres)
Lot Dimensions125 ft deep x 91 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area520 sqft
PorchScreened/Unfinished Porch
Porch Area205 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address3868 GARNET DR
CityMULBERRY
StateFL
Zip33860-8622
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionIMPERIALAKES PHASE TWO SECTION ONE A PB 68 PGS 16 & 17 LOT 88
Legal Range23E
Legal Township29S
Legal Section34
Legal SubdivisionIMPERIALAKES PHASE TWO SEC 1-A
Legal Phase2
Legal Tract142450
Legal Block2
Legal Lot Number88
JurisdictionPOLK FL
Township / Civil DivisionBARTOW
Census Block Group2
Census Block2020
Census Tract14906

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 Record2 Individual Names on Record
Mailing Address3868 GARNET DR, MULBERRY, FL 33860-8622
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 22, 2022 · Amount on Record
Deed SaleMar 22, 2022 · Amount on Record
Prior SaleAug 5, 2021 · Amount on Record
Deed Document Number202276696
Deed Book / Page12171 / 1637
Prior Transfer DateMar 21, 2013
Prior Transfer Doc0000058830
Record UpdatedOct 29, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 22, 2022
Property Address3868 GARNET DR, MULBERRY, FL 33860-8622
Document Number0000076696
Book / Page12171 / 1637
Map ReferenceMB 68 PG 16-100
Instrument DateMar 9, 2022
Instrument2022076696
Transaction TypeTransfer
Record UpdatedMar 6, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,225.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address407 FERN GULLEY DR, SEFFNER, FL 33584-3740

Transferred To (Grantee/Buyer)

NameVerified Name
Address3868 GARNET DR, LAKELAND, FL 33809

Mortgage

Document Number0121711638
DateMar 22, 2022
Instrument12171/1638
Lender
NameBAXTER CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2052
Interest
Rate TypeAdjustable Rate
Rate4%
Type Change DateApr 1, 2032
Change FrequencyAnnually
Min Rate At Change2.87%
Max Rate At Change9%
Index1-Year CMT
Max Rate9%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$218,433 (-4.2%) Land $34,000 Building $184,433$218,433 (-4.2%) Land $34,000 Building $184,433
2025$2,428.00 (-24.46%) Homeowner's exemption$228,013 (-7.59%) Land $34,000 Building $194,013$228,013 (-7.59%) Land $34,000 Building $194,013
2023$3,214.00 (-0.89%) Homeowner's exemption$246,743 (+17.94%) Land $33,000 Building $213,743$246,743 (+17.94%) Land $33,000 Building $213,743
2022$3,243.00$209,209 Land $31,000 Building $178,209$209,209 Land $31,000 Building $178,209

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA2 of 2
Most Recent ClaimOct 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

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

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 SystemSOUTHWEST/POLK COUNTY UTILITY
serves 39,209 people · EPA ID FL6530852
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting11
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 337 locations within half a mile, as of December 31, 2025

ProviderMax 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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