3945 David Dr, Mulberry, FL 33860 Property Records

Polk County property record for 3945 David Dr, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,904 sqft · built 1962
Lot Size	1.11 acres (48,643 sqft)
Owner	2 Individual Names on File
Last Sale	$229,000 (Sep 2019)
Tax Bill	$2,157 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Apr 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-33-000000-031160`

Property Details

APN / Parcel Number

Primary APN	`23-29-33-000000-031160`
Alternative APNs	`332923000000031160` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,904 sqft Living Area
1st Floor Area	1,904 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	48,643 sqft
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	30 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	3945 DAVID DR
City	MULBERRY
State	FL
Zip	33860-9723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	COMM NW COR OF NE1/4 OF NW1/4 RUN E 166.89 FT TO POB CONT E 142.6 FT S 305.56 FT W 142.6 FT N 305.47 FT TO POB AND COMM NW COR OF NE1/4 OF NW1/4 RUN E 162.89 FT TO POB CONT E 4 FT S 305.47 FT W 29 FT N 04 DEG 58 MIN 24 SEC E 306.62 FT TO POB
Legal Range	23E
Legal Township	29S
Legal Section	33
Legal Subdivision	CLAVILLE PROP
Legal Tract	000000
Legal Block	3
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3006
Census Tract	14904

Owner

3945 David Dr is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3945 DAVID DR, MULBERRY, FL 33860-9723
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
Sep 17, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Apr 12, 2019	Warranty Deed, Transfer ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS
Apr 12, 2019	Warranty Deed, Transfer ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS
Jul 16, 2019	Warranty Deed, Transfer ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019 · Amount on File
Deed Sale	Sep 17, 2019 · Amount on File
Prior Sale	Apr 12, 2019 · Amount on File
Deed Document Number	2019196817
Deed Book / Page	10976 / 553
Prior Transfer Date	Mar 28, 2019
Prior Transfer Doc	0000148117
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 17, 2019
Property Address	3945 DAVID DR, MULBERRY, FL 33860-9723
Document Number	0109760553
Book / Page	010976 / 000553
Instrument Date	Sep 13, 2019
Instrument	196817
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,603.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3945 DAVID DR MULBERRY FL 338609723, MULBERRY, FL 33860-9723

Mortgage

Document Number	109760555
Date	Sep 17, 2019
Book Page	010976/000555
Instrument	196818

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 12, 2019
Property Address	3945 DAVID DR, MULBERRY, FL 33860-9723
Document Number	0108081986
Book / Page	010808 / 001986
Instrument Date	Mar 28, 2019
Instrument	74982
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$378.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1420 CALM WATERS CT ST CLOUD FL 347718874, ST CLOUD, FL 34771-8874
Investor	Possibly a Property Investor

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 12, 2019
Property Address	3945 DAVID DR, MULBERRY, FL 33860-9723
Document Number	0108090041
Book / Page	010809 / 000041
Instrument Date	Mar 28, 2019
Instrument	75115
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 92901 LAKELAND FL 338042901, LAKELAND, FL 33804-2901

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 16, 2019
Property Address	3945 DAVID DR, MULBERRY, FL 33860-9723
Document Number	0109081401
Book / Page	010908 / 001401
Instrument Date	Mar 28, 2019
Instrument	148117
Transaction Type	Transfer
Record Updated	Aug 1, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 92901 LAKELAND FL 338042901, LAKELAND, FL 33804-2901

Tax Assessment & Valuation

The 2025 property tax bill for 3945 David Dr was $2,157 with a homeowner's exemption.

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		$212,675 (+2.7%)	$261,563 (-9.76%) Land $27,000 Building $234,563
2025	$2,157.00 Homeowner's exemption	$207,084	$289,847 Land $27,000 Building $262,847
2023	$2,516.00 (+3.24%) Homeowner's exemption	$195,386 (+3%)	$307,440 (+11.28%) Land $26,000 Building $281,440
2022	$2,437.00 Homeowner's exemption	$189,695	$276,284 Land $25,000 Building $251,284

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

Flood

FEMA maps place 3945 David 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 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 3945 David Dr 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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