511 SE 2nd St, Mulberry, FL 33860 Property Records

Polk County property record for 511 SE 2nd St, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1986
Lot Size	0.108 acres (4,683 sqft)
Owner	Individual Name on File
Last Sale	$52,000 (Dec 2003)
Tax Bill	$88 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-30-01-142480-012051`

Property Details

APN / Parcel Number

Primary APN	`23-30-01-142480-012051`
Alternative APNs	`013023142480012051` `13023000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	4,683 sqft (0.108 acres)
Lot Dimensions	95 ft deep x 50 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	152 sqft
Patio Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	511 SE 2ND ST
City	MULBERRY
State	FL
Zip	33860-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MULBERRY HTS PB 26 PG 26 S1/12 T30 R23 BLK 12 LOTS 5 W 15 FT & 6 LESS W 15 FT & CLOSED ST LYING S OF SAME LESS R/W FOR 2ND ST
Legal Range	23E
Legal Township	30S
Legal Section	01
Legal Subdivision	MULBERRY HEIGHTS
Legal Tract	142480
Legal Block	12
Legal Lot Number	5
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2042
Census Tract	14802

Owner

511 SE 2nd St is owned and occupied by an individual who bought it in December 2003.

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

Owner of Record	Individual Name on File
Mailing Address	511 SE 2ND ST, MULBERRY, FL 33860-3102
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jun 6, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 12, 2020	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2003 · Amount on File
Deed Sale	Dec 9, 2003 · Amount on File
Deed Document Number	2003246235
Deed Book / Page	5606 / 1735
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	May 5, 2026
Property Address	511 SE 2ND ST, MULBERRY, FL 33860-3102
Document Number	0000106811
Book / Page	13984 / 1662
Instrument Date	Mar 31, 2026
Instrument	2026106811
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 SE 2ND ST, MULBERRY, FL 33860-3102

Mortgage

Document Number	0000106811,
Date	May 5, 2026
Book Page	13984/1662
Instrument	2026106811

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jun 1, 2053

Interest

Rate	6%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	511 SE 2ND ST, MULBERRY, FL 33860-3102
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 SE 2ND ST, MULBERRY, FL 33860-3102

Mortgage

Document Number	0000131864
Date	Jun 6, 2023
Book Page	12718/270
Instrument	2023131864

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	511 SE 2ND ST, MULBERRY, FL 33860-3102
Document Number	0111440038
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6219 NELMS RD W LAKELAND FL 338111963, LAKELAND, FL 33811-1963

Mortgage

Document Number	0111440038
Date	Feb 18, 2020
Book Page	011144/000038
Instrument	36749

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 511 SE 2nd St was $88 with a homeowner's exemption, down 78.9% from the year before.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Mulberry City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,597 (+2.7%)	$107,460 (-9.14%) Land $15,921 Building $91,539
2025	$88.00 (-78.95%) Homeowner's exemption	$29,793	$118,270 Land $15,921 Building $102,349
2024	$418.00 (+7.46%)
2023	$389.00 (+8.06%) Homeowner's exemption	$28,110 (+3%)	$111,011 (+0.16%) Land $11,707 Building $99,304
2022	$360.00 Homeowner's exemption	$27,291	$110,838 Land $2,982 Building $107,856

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

Flood

FEMA maps place 511 SE 2nd St 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 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

Wildfire risk around 511 SE 2nd St is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 69% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MULBERRY serves 3,780 people · EPA ID FL6531237
Water Source	Groundwater
Last State Inspection	May 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Barium resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 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 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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