3885 Gary Rd, Mulberry, FL 33860 Property Records

Polk County property record for 3885 Gary Rd, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,670 sqft · built 1977
Lot Size	1.09 acres (47,524 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (May 2021)
Tax Bill	$2,534 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-33-000000-031290`

Property Details

APN / Parcel Number

Primary APN	`23-29-33-000000-031290`
Alternative APNs	`332923000000031290` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,670 sqft Living Area
Gross Area	2,250 sqft
1st Floor Area	1,670 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	47,524 sqft
Lot Dimensions	296 ft deep x 160 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	580 sqft
Porch	Unfinished Open Porch
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3885 GARY RD
City	MULBERRY
State	FL
Zip	33860-9766
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	BEG NE COR OF NE1/4 OF NW1/4 RUN W 272.25 FT S 160 FT FOR POB CONT S 160 FT W 296.75 FT N 160 FT E 296.75 FT TO POB BEING LOT 16 UNREC PLAT
Legal Range	23E
Legal Township	29S
Legal Section	33
Legal Subdivision	CLAVILLE PROP
Legal Tract	000000
Legal Block	3
Legal Lot Number	16
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3006
Census Tract	14904

Owner

3885 Gary Rd is owned and occupied by an individual who bought it in May 2021.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	3885 GARY RD, MULBERRY, FL 33860-9766
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 20, 2021	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Jul 16, 2019	Loan Modification, Mortgage · Conventional Mortgage SHELLPOINT MTG SVCNG
Jul 1, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 28, 2017	Warranty Deed, Transfer · FHA Mortgage SUCCESS MTG PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2021 · Amount on File
Deed Sale	May 20, 2021 · Amount on File
Prior Sale	Feb 28, 2017 · Amount on File
Deed Document Number	2021131653
Deed Book / Page	11724 / 48
Transfer Doc	3683000526
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Apr 21, 2026
Property Address	3885 GARY RD, MULBERRY, FL 33860-9766
Document Number	0000094450
Book / Page	13966 / 660
Instrument Date	Apr 13, 2026
Instrument	202694450
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PENNYMAC LOAN SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3885 GARY RD, MULBERRY, FL 33860-9766

Mortgage

Document Number	0000094450,
Date	Apr 21, 2026
Book Page	13966/660
Instrument	202694450

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 20, 2021
Property Address	3885 GARY RD, MULBERRY, FL 33860-9766
Document Number	0000131653
Book / Page	11724 / 48
Instrument Date	Apr 30, 2021
Instrument	2021131653
Transaction Type	Transfer
Record Updated	Jun 7, 2021
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6715 OLD HIGHWAY 37, 6715, LAKELAND, FL 33811-2323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3885 GARY RD, MULBERRY, FL 33860-9766

Mortgage

Document Number	0001172450
Date	May 20, 2021
Instrument	11724/50

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	3885 GARY RD, MULBERRY, FL 33860-9766
Document Number	0109261055
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3885 GARY RD MULBERRY FL 338609766, MULBERRY, FL 33860-9766

Mortgage

Document Number	0109261055
Date	Aug 1, 2019
Book Page	010926/001055
Instrument	161270

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3885 GARY RD, MULBERRY, FL 33860-9766
Document Number	0109261048
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3885 GARY RD MULBERRY FL 338609766, MULBERRY, FL 33860-9766

Mortgage

Document Number	0109261048
Date	Aug 1, 2019
Book Page	010926/001048
Instrument	161269

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 28, 2017
Property Address	3885 GARY RD, MULBERRY, FL 33860-9766
Document Number	0100770894
Book / Page	010077 / 000894
Instrument Date	Feb 24, 2017
Instrument	39008
Transaction Type	Transfer
Record Updated	Mar 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 MEADOWOOD POINTE RD LAKELAND FL 338112961, LAKELAND, FL 33811-2961

Mortgage

Document Number	100770895
Date	Feb 28, 2017
Book Page	010077/000895
Instrument	39009

Lender

Name	SUCCESS MTG PTRS
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3885 Gary Rd was $2,534 with a homeowner's exemption, down 17.6% from the year before.

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		$242,574 (+2.7%)	$253,760 (-3.8%) Land $31,000 Building $222,760
2025	$2,534.00 (-17.57%) Homeowner's exemption	$236,197	$263,774 Land $31,000 Building $232,774
2024	$3,074.00 (+6.85%)
2023	$2,877.00 (+3.04%) Homeowner's exemption	$222,854 (+3%)	$273,222 (+12.26%) Land $30,000 Building $243,222
2022	$2,792.00 Homeowner's exemption	$216,363	$243,377 Land $29,000 Building $214,377

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

Flood

FEMA maps place 3885 Gary Rd 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 A, within 500 ft
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

Wildfire risk around 3885 Gary Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of 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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