4844 Rustic Palm Dr, Mulberry, FL 33860 Property Records

Polk County property record for 4844 Rustic Palm Dr, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1995
Lot Size	0.488 acres (21,257 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Jun 2016)
Tax Bill	$999 (2025)
Deeds & Mortgages	Jun 2026 Sale Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-32-142244-000410`

Property Details

APN / Parcel Number

Primary APN	`23-29-32-142244-000410`
Alternative APNs	`322923142244000410` `22923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,595 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	21,257 sqft (0.488 acres)
Lot Dimensions	125 ft deep x 85 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	299 sqft

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	66 sqft
Patio Area	80 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4844 RUSTIC PALM DR
City	MULBERRY
State	FL
Zip	33860-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK HAMMOCK ESTATES PHASE TWO PB 96 PG 50 LOTS 40 & 41
Legal Range	23E
Legal Township	29S
Legal Section	32
Legal Subdivision	OAK HAMMOCK ESTATES PHASE 02
Legal Phase	2
Legal Tract	142244
Legal Block	1
Legal Lot Number	40,41
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1010
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	4844 RUSTIC PALM DR, MULBERRY, FL 33860-3223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GROW FIN'L FCU
Sep 25, 2017	Deed of Trust, Mortgage · Line of Credit GROW FIN'L FCU
Sep 25, 2017	Deed of Trust, Mortgage · Conventional with PMI GROW FIN'L FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2016 · Amount on Record
Deed Sale	Jun 22, 2016 · Amount on Record
Prior Sale	Jun 21, 2016 · Amount on Record
Deed Document Number	2016112611
Deed Book / Page	9857 / 333
Last Transfer Date	Jun 24, 2026
Transfer Doc	0000154862
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	POLK FL
Recording Date	Jun 29, 2026
Property Address	4844 RUSTIC PALM DR, MULBERRY, FL 33860-3223
Document Number	0000154862
Book / Page	14055 / 1905
Instrument Date	Jun 24, 2026
Instrument	2026154862
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4844 RUSTIC PALM DR, MULBERRY, FL 33860-3223

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4844 RUSTIC PALM DR, MULBERRY, FL 33860-3223
Document Number	0113902013
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4844 RUSTIC PALM DR MULBERRY FL 338603223, MULBERRY, FL 33860-3223

Mortgage

Document Number	0113902013
Date	Sep 28, 2020
Book Page	011390/002013
Instrument	202134

Lender

Name	GROW FIN'L FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 27, 2040

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4844 RUSTIC PALM DR, MULBERRY, FL 33860-3223
Document Number	0102961183
Book / Page	010296 / 001183
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4844 RUSTIC PALM DR MULBERRY FL 338603223, MULBERRY, FL 33860-3223

Mortgage

Document Number	0102961183
Date	Oct 26, 2017
Book Page	010296/001183
Instrument	204544

Lender

Name	GROW FIN'L FCU
Type	Credit Union
Address	TAMPA, FL 33689

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 25, 2037

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	4844 RUSTIC PALM DR, MULBERRY, FL 33860-3223
Document Number	0102771721
Book / Page	010277 / 001721
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4844 RUSTIC PALM DR MULBERRY FL 338603223, MULBERRY, FL 33860-3223

Mortgage

Document Number	0102771721
Date	Oct 4, 2017
Book Page	010277/001721
Instrument	189989

Lender

Name	GROW FIN'L FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2047

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		$120,699 (+2.7%)	$201,221 (-2.85%) Land $47,822 Building $153,399
2025	$999.00 (-29.8%) Homeowner's exemption	$117,526 (+5.99%)	$207,131 (+2.77%) Land $47,822 Building $159,309
2023	$1,423.00 (+4.48%) Homeowner's exemption	$110,887 (+3%)	$201,555 (+5.97%) Land $36,132 Building $165,423
2022	$1,362.00 Homeowner's exemption	$107,657	$190,205 Land $29,756 Building $160,449

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
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 76% of the US · above 62% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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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