4490 Lower Meadow Rd, Mulberry, FL 33860 Property Records

Polk County property record for 4490 Lower Meadow Rd, Mulberry, FL 33860

Property Summary

Property Type	Mobile Home
Details	1,344 sqft · built 2021
Lot Size	0.279 acres (12,153 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Feb 2026)
Tax Bill	$2,194 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-31-142221-000140`

Property Details

APN / Parcel Number

Primary APN	`23-29-31-142221-000140`
Alternative APNs	`312923142221000140` `12923000`

Interior

Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Lot Area	12,153 sqft (0.279 acres)

Location & Zoning

Street Address	4490 LOWER MEADOW RD
City	MULBERRY
State	FL
Zip	33860-3209
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	MEADOW RIDGE ESTATES PHASE III PB 103 PGS 46 & 47 LYING IN A PORTION OF SECS 31 & 32 T29 R23 ..... LOT 14
Legal Range	23E
Legal Township	29S
Legal Section	31
Legal Subdivision	MEADOW RIDGE ESTATES PHASE III
Legal Phase	III
Legal Tract	142221
Legal Block	1
Legal Lot Number	14
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1005
Census Tract	14903

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4490 LOWER MEADOW RD, MULBERRY, FL 33860-3209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Oct 7, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 11, 2021	Warranty Deed, Transfer SECURITY NATIONAL TITLE AND ESCROW, SECURITY NATIONAL T&E LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2026 · Amount on Record
Deed Sale	Feb 16, 2026 · Amount on Record
Prior Sale	Oct 7, 2022 · Amount on Record
Deed Document Number	202639088
Deed Book / Page	13884 / 2071
Prior Transfer Date	Dec 5, 2007
Prior Transfer Doc	0000028436
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 16, 2026
Property Address	4490 LOWER MEADOW RD, MULBERRY, FL 33860-3209
Document Number	0000039088
Book / Page	13884 / 2071
Map Reference	MB 103 PG 46&47
Instrument Date	Feb 12, 2026
Instrument	2026039088
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	BROKERS TITLE OF FLORIDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4490 LOWER MEADOW RD, MULBERRY, FL 33860-3209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4490 LOWER MEADOW RD, MULBERRY, FL 33860-3209

Mortgage

Document Number	0138842073
Date	Feb 16, 2026
Instrument	13884/2073

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 7, 2022
Property Address	4490 LOWER MEADOW RD, MULBERRY, FL 33860-3209
Document Number	0000266747
Book / Page	12442 / 1079
Map Reference	MB 103 PG 46&47
Instrument Date	Oct 3, 2022
Instrument	2022266747
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	GOLDEN RULE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,456.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4318 FOREST HILLS DR, LAKELAND, FL 33813-1717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4490 LOWER MEADOW RD, MULBERRY, FL 33860-3209

Mortgage

Document Number	0124421081
Date	Oct 7, 2022
Instrument	12442/1081

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 11, 2021
Property Address	4490 LOWER MEADOW RD, MULBERRY, FL 33860-3209
Document Number	0000062614
Book / Page	11618 / 715
Map Reference	MB 103 PG 46&47
Instrument Date	Mar 5, 2021
Instrument	2021062614
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	SECURITY NATIONAL TITLE AND ESCROW, SECURITY NATIONAL T&E LLC

Transaction

Amount	Amount Recorded
Tax	$217.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1400 S INTERNATIONAL PKWY # PKWY1000, PKWY1000, LAKE MARY, FL 32746-1607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4318 FOREST HILLS DR, LAKELAND, FL 33813-1717
Investor	Possibly a Property Investor

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		$193,019 (-8.05%) Land $35,244 Building $157,775	$193,019 (-8.05%) Land $35,244 Building $157,775
2025	$2,194.00 (-19.07%) Homeowner's exemption	$209,911 (+4.86%) Land $35,244 Building $174,667	$209,911 (+4.86%) Land $35,244 Building $174,667
2023	$2,711.00 (-18.59%) Homeowner's exemption	$200,176 (-5.39%) Land $35,244 Building $164,932	$200,176 (-5.39%) Land $35,244 Building $164,932
2022	$3,330.00	$211,588 Land $29,167 Building $182,421	$211,588 Land $29,167 Building $182,421

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 AE, 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

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

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 334 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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