4845 Rustic Palm Dr, Mulberry, FL 33860 Property Records

Polk County property record for 4845 Rustic Palm Dr, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,607 sqft · built 1995
Lot Size	0.283 acres (12,332 sqft)
Owner	2 Company Names on Record
Last Sale	$295,000 (Oct 2024)
Tax Bill	$2,995 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-29-32-142244-000330`

Property Details

APN / Parcel Number

Primary APN	`23-29-32-142244-000330`
Alternative APNs	`322923142244000330` `22923000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,607 sqft Living Area
Gross Area	1,867 sqft
1st Floor Area	1,607 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	12,332 sqft (0.283 acres)
Lot Dimensions	145 ft deep x 85 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	260 sqft

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	72 sqft
Patio Area	165 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4845 RUSTIC PALM DR
City	MULBERRY
State	FL
Zip	33860-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK HAMMOCK ESTATES PHASE TWO PB 96 PG 50 LOT 33
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	33
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	1
Census Block	1008
Census Tract	14903

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	2 Company Names on Record
Mailing Address	4845 RUSTIC PALM DR, MULBERRY, FL 33860-3224
Owner Type	Company
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Feb 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2024 · Amount on Record
Deed Sale	Oct 18, 2024 · Amount on Record
Prior Sale	Feb 27, 1996 · Amount on Record
Deed Document Number	2024236595
Deed Book / Page	13301 / 1720
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jul 23, 2026
Property Address	4845 RUSTIC PALM DR, MULBERRY, FL 33860-3224
Document Number	0000176737
Book / Page	14087 / 1711
Instrument Date	Jul 20, 2026
Instrument	2026176737
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 RUSTIC PALM DR, MULBERRY, FL 33860-3224

Mortgage

Document Number	0000176737,
Date	Jul 23, 2026
Book Page	14087/1711
Instrument	2026176737

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.47%
Max Rate	-1%

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Feb 21, 2018
Property Address	4845 RUSTIC PALM DR, MULBERRY, FL 33860-3224
Document Number	0104021597
Book / Page	010402 / 001597
Instrument Date	Jan 31, 2018
Instrument	39156
Transaction Type	Transfer
Record Updated	Mar 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 RUSTIC PALM DR MULBERRY FL 338603224, MULBERRY, FL 33860-3224

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Feb 21, 2018
Property Address	4845 RUSTIC PALM DR, MULBERRY, FL 33860-3224
Document Number	0104021599
Book / Page	010402 / 001599
Instrument Date	Jan 31, 2018
Instrument	39157
Transaction Type	Transfer
Record Updated	Mar 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 RUSTIC PALM DR MULBERRY FL 338603224, MULBERRY, FL 33860-3224

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		$205,122 (-11.46%) Land $27,745 Building $177,377	$205,122 (-11.46%) Land $27,745 Building $177,377
2025	$2,995.00 (+0.34%)	$231,663 (+11.89%) Land $27,745 Building $203,918	$231,663 (+11.89%) Land $27,745 Building $203,918
2023	$2,985.00 (+6.04%)	$207,038 (+4.04%) Land $20,963 Building $186,075	$207,038 (+4.04%) Land $20,963 Building $186,075
2022	$2,815.00	$198,993 Land $17,263 Building $181,730	$198,993 Land $17,263 Building $181,730

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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