4430 Shepherd Rd, Mulberry, FL 33860 Property Records

Polk County property record for 4430 Shepherd Rd, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1935
Lot Size	0.889 acres (38,707 sqft)
Owner	Individual Name on Record
Tax Bill	$1,756 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-29-29-000000-033010`

Property Details

APN / Parcel Number

Primary APN	`23-29-29-000000-033010`
Alternative APNs	`292923000000033010` `92923000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	38,707 sqft (0.889 acres)
Lot Dimensions	200 ft deep x 165 ft wide
View / Lot	Commercial/Industrial
Garage Area	525 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	414 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	4430 SHEPHERD RD
City	MULBERRY
State	FL
Zip	33860-9524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	W1/2 OF W1/2 OF E1/2 OF NW1/4 OF NW1/4 LESS S 1056 FT & LESS RD R/W
Legal Range	23E
Legal Township	29S
Legal Section	29
Legal Subdivision	MEADOWOOD ACRES
Legal Tract	000000
Legal Block	1
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1000
Census Tract	14904

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1698 S MCADOO AVE, BARTOW, FL 33830-6854
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC
Dec 4, 2017	Deed of Trust, Mortgage · Line of Credit CAPITAL ONE NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 12, 2016
Transfer Doc	0099040601
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4430 SHEPHERD RD, MULBERRY, FL 33860-9524
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 NE 11TH AVE, MULBERRY, FL 33860-2720

Mortgage

Document Number	0000011781
Date	Jan 15, 2026
Book Page	13847/884
Instrument	2026011781

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4430 SHEPHERD RD, MULBERRY, FL 33860-9524
Document Number	0103450772
Instrument Date	Dec 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4430 SHEPHERD RD MULBERRY FL 338609524, MULBERRY, FL 33860-9524

Mortgage

Document Number	0103450772
Date	Dec 19, 2017
Book Page	010345/000772
Instrument	243855

Lender

Name	CAPITAL ONE NA
Type	Funding / Finance Company
Address	PLANO, TX 75024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 18, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$132,784 (-2.25%) Land $60,520 Building $72,264	$132,784 (-2.25%) Land $60,520 Building $72,264
2025	$1,756.00 (+78.46%) Homeowner's exemption	$135,834 (+154.49%) Land $60,520 Building $75,314	$135,834 (+25.89%) Land $60,520 Building $75,314
2024	$984.00 (+17.84%)
2023	$835.00 (+4.38%) Homeowner's exemption	$53,375 (+3%)	$107,896 (+10.21%) Land $58,740 Building $49,156
2022	$800.00 Homeowner's exemption	$51,820	$97,904 Land $56,070 Building $41,834

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

Flood

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	3 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

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier.

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