Polk County property record for 5046 Copperstone Cir, Mulberry, FL 33860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,267 sqft · built 1986 |
| Lot Size | 0.752 acres (32,770 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Nov 2025) |
| Tax Bill | $2,125 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Nov 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-29-27-142000-000260 |
| Primary APN | 23-29-27-142000-000260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,267 sqft Living Area |
| Gross Area | 1,750 sqft |
| 1st Floor Area | 1,267 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 32,770 sqft (0.752 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 20 sqft |
| Cooling System | Central |
|---|
| Street Address | 5046 COPPERSTONE CIR |
|---|---|
| City | MULBERRY |
| State | FL |
| Zip | 33860-8605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | IMPERIALAKES PHASE ONE PB 63 PGS 43/45 LOT 26 |
| Legal Range | 23E |
| Legal Township | 29S |
| Legal Section | 27 |
| Legal Subdivision | IMPERIALAKES PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 142000 |
| Legal Block | 2 |
| Legal Lot Number | 26 |
| Jurisdiction | POLK FL |
| Township / Civil Division | BARTOW |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 14906 |
5046 Copperstone Cir is owned and occupied by an individual who bought it in November 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5046 COPPERSTONE CIR, MULBERRY, FL 33860-8605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 14, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAXTER CU |
| Nov 26, 2025 | Warranty Deed, Transfer · Conventional Mortgage RESICENTRAL LLC |
| Jul 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2025 · Amount on File |
| Deed Sale | Nov 26, 2025 · Amount on File |
| Prior Sale | Jul 15, 2021 · Amount on File |
| Deed Document Number | 2025280491 |
| Deed Book / Page | 13793 / 281 |
| Prior Transfer Date | Oct 18, 2006 |
| Prior Transfer Doc | 0000258145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 5046 COPPERSTONE CIR, MULBERRY, FL 33860-8605 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN |
| Name | Verified Name |
|---|---|
| Address | 5046 COPPERSTONE CIR, MULBERRY, FL 33860-8605 |
| Document Number | 0000086666 |
|---|---|
| Date | Apr 14, 2023 |
| Book Page | 12653/704 |
| Instrument | 2023086666 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 30, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 26, 2025 |
| Property Address | 5046 COPPERSTONE CIR, MULBERRY, FL 33860-8605 |
| Document Number | 0000280491 |
| Book / Page | 13793 / 281 |
| Map Reference | MB 63 PG 43-45 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 2025280491 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, ATTORNE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2415 ANCIENT RD, NORTH PORT, FL 34286-9036 |
| Name | Verified Name |
|---|---|
| Address | 5046 COPPERSTONE CIR, MULBERRY, FL 33860-8605 |
| Document Number | 0013793283 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 13793/283 |
| Name | RESICENTRAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 15, 2021 |
| Property Address | 5046 COPPERSTONE CIR, MULBERRY, FL 33860-8605 |
| Document Number | 0000183779 |
| Book / Page | 11804 / 1130 |
| Map Reference | MB 63 PG 43-45 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 2021183779 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2021 |
| Title Company | HOME SOLUTION TITLE INC, HOME SOLUTION TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,627.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5046 COPPERSTONE CIR, 5046, MULBERRY, FL 33860-8605 |
| Name | Verified Name |
|---|---|
| Address | 5046 COPPERSTONE CIR, MULBERRY, FL 33860-8605 |
| Document Number | 0118041132 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 11804/1132 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 5046 Copperstone Cir was $2,125, down 24.8% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $203,834 (-0.36%) Land $29,000 Building $174,834 | $203,834 (-0.36%) Land $29,000 Building $174,834 | |
| 2025 | $2,125.00 (-24.83%) Homeowner's exemption | $204,571 (-0.04%) Land $29,000 Building $175,571 | $204,571 (-0.04%) Land $29,000 Building $175,571 |
| 2024 | $2,827.00 (+6.2%) Homeowner's exemption | $204,655 (+2.58%) Land $29,000 Building $175,655 | $204,655 (+2.58%) Land $29,000 Building $175,655 |
| 2023 | $2,662.00 (-17.02%) Homeowner's exemption | $199,512 (-1.64%) Land $28,000 Building $171,512 | $199,512 (-1.64%) Land $28,000 Building $171,512 |
| 2022 | $3,208.00 | $202,836 Land $27,000 Building $175,836 | $202,836 Land $27,000 Building $175,836 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5046 Copperstone Cir 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 risk around 5046 Copperstone Cir is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 196 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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