435 Gibson St, Mulberry, FL 33860 Property Records

Polk County property record for 435 Gibson St, Mulberry, FL 33860

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,664 sqft · built 2009
Lot Size	0.427 acres (18,600 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Jun 2023)
Tax Bill	$2,781 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-30-11-156500-003061`

Property Details

APN / Parcel Number

Primary APN	`23-30-11-156500-003061`
Alternative APNs	`113023156500003061` `13023000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	18,600 sqft (0.427 acres)
Lot Dimensions	254 ft deep x 146 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	2,014 sqft
Carport	Carport
Carport Area	2,014 sqft
Porch	Porch
Porch Area	248 sqft
Shed	1 Shed

Location & Zoning

Street Address	435 GIBSON ST
City	MULBERRY
State	FL
Zip	33860-8926
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R2
Legal Description	KINGSFORD SUB PB 1 PG 32B BLK 3 S1/2 OF LOTS 6 7 & 8
Legal Range	23E
Legal Township	30S
Legal Section	11
Legal Subdivision	KINGSFORD SUBDIVISION
Legal Tract	156500
Legal Block	3
Legal Lot Number	6
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2053
Census Tract	14802

Owner

435 Gibson St, a mobile home, is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	435 GIBSON ST, MULBERRY, FL 33860-8926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	Jun 6, 2023 · Amount on File
Deed Sale	Jun 6, 2023 · Amount on File
Prior Sale	Mar 15, 2001 · Amount on File
Deed Document Number	2023132660
Deed Book / Page	12719 / 742
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 6, 2023
Property Address	435 GIBSON ST, MULBERRY, FL 33860-8926
Document Number	0000132660
Book / Page	12719 / 742
Map Reference	MB 2A PG 15
Instrument Date	May 30, 2023
Instrument	2023132660
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	TITLE SOLUTIONS/FL LLC, TITLE SOLUTIONS GROUP OF FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 483, MULBERRY, FL 33860-0483

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	435 GIBSON ST, MULBERRY, FL 33860-8926

Mortgage

Document Number	0012719744
Date	Jun 6, 2023
Instrument	12719/744

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 435 Gibson St was $2,781.

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		$198,014 (-4.39%) Land $51,150 Building $146,864	$198,014 (-4.39%) Land $51,150 Building $146,864
2025	$2,781.00	$207,105 Land $51,150 Building $155,955	$207,105 Land $51,150 Building $155,955
2023	$3,272.00 (+736.83%)	$205,418 (+304.49%) Land $32,550 Building $172,868	$205,418 (+3.6%) Land $32,550 Building $172,868
2022	$391.00	$50,784	$198,283 Land $6,046 Building $192,237

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 435 Gibson St 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
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 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 435 Gibson St is high, ranking above 83% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 83% of the US · above 74% of Florida
Wildfire Likelihood	0.8% 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	CITY OF MULBERRY serves 3,780 people · EPA ID FL6531237
Water Source	Groundwater
Last State Inspection	May 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Barium resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 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