Polk County property record for 3976 Grandefield Cir, Mulberry, FL 33860
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,009 sqft · built 2017 |
| Lot Size | 0.597 acres (26,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $449,400 (Mar 2017) |
| Tax Bill | $6,546 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-28-142053-000220 |
| Primary APN | 23-29-28-142053-000220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 4,009 sqft Living Area |
| Gross Area | 4,849 sqft |
| 1st Floor Area | 3,169 sqft |
| Upper Floors Area | 840 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 26,001 sqft (0.597 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Pool Type | Enclosed Pool |
| Porch | Finished/Open Porch |
| Porch Area | 460 sqft |
| Street Address | 3976 GRANDEFIELD CIR |
|---|---|
| City | MULBERRY |
| State | FL |
| Zip | 33860-6557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRANDEFIELD ON POLEY CREEK PB 143 PGS 40-44 LOT 22 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 28 |
| Legal Subdivision | GRANDEFIELD ON POLEY CREEK |
| Legal Tract | 142053 |
| Legal Block | 3 |
| Legal Lot Number | 22 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 14904 |
3976 Grandefield Cir is owned and occupied by two individuals who bought it in March 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3976 GRANDEFIELD CIR, MULBERRY, FL 33860-6557 |
| 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 |
|---|---|
| Oct 10, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jan 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 11, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BK |
| Mar 20, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MORTGAGE FIRM |
| Oct 28, 2016 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2017 · Amount on File |
| Deed Sale | Mar 20, 2017 · Amount on File |
| Deed Document Number | 201752684 |
| Deed Book / Page | 10094 / 2061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3976 GRANDEFIELD CIR, MULBERRY, FL 33860-6557 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3976 GRANDEFIELD CIR, MULBERRY, FL 33860-6557 |
| Document Number | 0000239043 |
|---|---|
| Date | Oct 10, 2025 |
| Book Page | 13733/330 |
| Instrument | 2025239043 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3976 GRANDEFIELD CIR, MULBERRY, FL 33860-6557 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000015237 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 12077/2059 |
| Instrument | 2022015237 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3976 GRANDEFIELD CIR, MULBERRY, FL 33860-6557 |
| Document Number | 0112401440 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2020 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3976 GRANDEFIELD CIR MULBERRY FL 338606557, MULBERRY, FL 33860-6557 |
| Document Number | 0112401440 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 011240/001440 |
| Instrument | 101714 |
| Name | TRUIST BK |
|---|---|
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 20, 2017 |
| Property Address | 3976 GRANDEFIELD CIR, MULBERRY, FL 33860-6557 |
| Document Number | 0100942061 |
| Book / Page | 010094 / 002061 |
| Instrument Date | Mar 17, 2017 |
| Instrument | 52684 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,145.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3976 GRANDEFIELD CIR MULBERRY FL 338606557, MULBERRY, FL 33860-6557 |
| Document Number | 100942063 |
|---|---|
| Date | Mar 20, 2017 |
| Book Page | 010094/002063 |
| Instrument | 52685 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 3976 GRANDEFIELD CIR, MULBERRY, FL 33860-6557 |
| Instrument Date | Oct 28, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 464 W PIPKIN RD #1 LAKELAND FL 338132699, 1, LAKELAND, FL 33813-2699 |
| Document Number | 100371096 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 010037/001096 |
| Instrument | 7337 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 100 N TAMPA ST # 3400, TAMPA, FL 33602-5145 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3976 Grandefield Cir was $6,546 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 | $561,326 (+2.7%) | $728,364 (%) Land $76,000 Building $652,364 | |
| 2025 | $6,546.00 Homeowner's exemption | $546,569 | $728,386 Land $76,000 Building $652,386 |
| 2023 | $7,219.00 (+3.93%) Homeowner's exemption | $515,694 (+3%) | $727,940 (+15.33%) Land $74,000 Building $653,940 |
| 2022 | $6,946.00 Homeowner's exemption | $500,674 | $631,198 Land $70,000 Building $561,198 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3976 Grandefield Cir 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 |
| 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 risk around 3976 Grandefield Cir is high, ranking above 75% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 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 |
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