4085 Willow Dr, Mulberry, FL 33860 Property Records

Polk County property record for 4085 Willow Dr, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,188 sqft · built 1985
Lot Size	0.345 acres (15,046 sqft)
Owner	2 Individual Names on File
Last Sale	$123,000 (Sep 2008)
Tax Bill	$261 (2025)
Deeds & Mortgages	May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`23-29-33-142370-000410`

Property Details

APN / Parcel Number

Primary APN	`23-29-33-142370-000410`
Alternative APNs	`332923142370000410` `32923000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	1,404 sqft
1st Floor Area	1,188 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	15,046 sqft (0.345 acres)
Lot Dimensions	170 ft deep x 88 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	216 sqft
Porch	Unfinished Open Porch
Porch Area	60 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4085 WILLOW DR
City	MULBERRY
State	FL
Zip	33860-9507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WILL-O-WOODS SUB PB 67 PG 1 LOT 41
Legal Range	23E
Legal Township	29S
Legal Section	33
Legal Subdivision	WILL-O-WOODS
Legal Tract	142370
Legal Block	2
Legal Lot Number	41
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2000
Census Tract	14904

Owner

4085 Willow Dr is owned and occupied by two individuals who bought it in September 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	4085 WILLOW DR, MULBERRY, FL 33860-9507
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	Sep 10, 2008 · Amount on File
Deed Sale	Sep 10, 2008 · Amount on File
Prior Sale	Dec 21, 2004 · Amount on File
Deed Document Number	2008153600
Deed Book / Page	7715 / 1849
Prior Transfer Date	Jul 9, 2004
Prior Transfer Doc	0058460980
Record Updated	Oct 29, 2026

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	4085 WILLOW DR, MULBERRY, FL 33860-9507
Document Number	0104890850
Instrument Date	May 9, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4085 WILLOW DR MULBERRY FL 338609507, MULBERRY, FL 33860-9507

Mortgage

Document Number	0104890850
Date	May 17, 2018
Book Page	010489/000850
Instrument	106480

Lender

Name	SELENE FIN
Type	Funding / Finance Company
Address	HOUSTON, TX 77042

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

Interest

Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 4085 Willow Dr was $261 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		$46,426 (+2.7%)	$178,531 (-8.59%) Land $18,000 Building $160,531
2025	$261.00 Homeowner's exemption	$45,205	$195,306 Land $18,000 Building $177,306
2023	$706.00 (+6.65%) Homeowner's exemption	$42,651 (+3%)	$196,608 (+37.49%) Land $17,500 Building $179,108
2022	$662.00 Homeowner's exemption	$41,409	$142,997 Land $14,500 Building $128,497

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4085 Willow 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	2 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 4085 Willow Dr is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.08% 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	BAILEY PLACE MHP private · serves 150 people · EPA ID FL6535097
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 219 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: Hotwire Communications.

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