3965 David Dr, Mulberry, FL 33860 Property Records

Polk County property record for 3965 David Dr, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1995
Lot Size	1.05 acres (45,895 sqft)
Owner	2 Individual Names on File
Last Sale	$6,700 (Jul 1995)
Tax Bill	$1,282 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-29-33-000000-031200`

Property Details

APN / Parcel Number

Primary APN	`23-29-33-000000-031200`
Alternative APNs	`332923000000031200` `32923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,476 sqft Living Area
Gross Area	1,917 sqft
1st Floor Area	1,476 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	45,895 sqft
Lot Dimensions	305 ft deep x 145 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Screened/Unfinished Porch
Porch Area	248 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3965 DAVID DR
City	MULBERRY
State	FL
Zip	33860-9723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	BEG NW COR OF NE1/4 OF NW1/4 RUN E 162.89 FT S 04 DEG 58 MIN 24 SEC W 306.62 FT W 137.44 FT N 305.45 FT TO POB
Legal Range	23E
Legal Township	29S
Legal Section	33
Legal Subdivision	CLAVILLE PROP
Legal Tract	000000
Legal Block	3
Legal Lot Number	18
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	3
Census Block	3006
Census Tract	14904

Owner

3965 David Dr is owned and occupied by two individuals who bought it in July 1995.

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

Owner of Record	2 Individual Names on File
Mailing Address	3965 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 1995 · Amount on File
Deed Sale	Jul 5, 1995 · Amount on File
Deed Book / Page	3549 / 1284
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3965 DAVID DR, MULBERRY, FL 33860-9723
Document Number	0109941320
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3965 DAVID DR MULBERRY FL 338609723, MULBERRY, FL 33860-9723

Mortgage

Document Number	0109941320
Date	Oct 3, 2019
Book Page	010994/001320
Instrument	209806

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3965 David Dr was $1,282 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		$143,156 (+2.7%)	$296,441 (+2.95%) Land $27,000 Building $269,441
2025	$1,282.00 Homeowner's exemption	$139,392	$287,935 Land $27,000 Building $260,935
2023	$1,476.00 (+4.38%) Homeowner's exemption	$114,927 (+3%)	$278,699 (+11.98%) Land $26,000 Building $252,699
2022	$1,414.00 Homeowner's exemption	$111,580	$248,875 Land $25,000 Building $223,875

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

Flood

FEMA maps place 3965 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 3965 David Dr is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 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 165 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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