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Mulberry Homes For Sale with USDA Financing! 

What is USDA Financing? It is a government backed program that offers a 0% down loan. The address should be verified in their Eligibility Checker before moving forward to ensure it is in a USDA zone.

USDA Financing Available Homes:

$1,200,000
3 Beds 3 Baths Shady Hammock SubDv. 33860 Zip Code
"WE HAVE LOVED CALLING THIS HOME!"...that's what the owners are saying. They've enjoyed gathering, celebrating and creating memories with family and friends on over 8 ACRES (fully fenced with an electric gate at the entrance to the property). Located in POLK County Florida, this home is situated just south of LAKELAND. Walking through the front entry you feel welcomed and cannot miss the view of the sprawling backyard seen through the FRENCH DOORS in the family room leading out to a SPACIOUS LANAI (wait till you see the sunsets)! This custom-built home was designed with 3 bedrooms and 3 full baths, one of which can be accessed from the screened Lanai. The kitchen offers GRANITE counters, STAINLESS appliances (new KitchenAid refrigerator), pantry closet, breakfast bar and a breakfast nook dinette, and flows into the Family room and formal dining room with tray ceiling.) PRIMARY bedroom has private access to the Lanai and was designed with a tray ceiling, ceiling fan, 2 walk-in closets with pocket doors, ENSUITE BATH (WALK-IN SHOWER, JACUZZI TUB, 2 vanities). The 2nd and 3rd bedrooms share a full bath, with one of the bedrooms having direct access to the bath. Second and third bedrooms are currently being used as an office and a dream closet! You'll see! INDOOR LAUNDRY is close to the garage and outdoor access. The interior has VAULTED CEILINGS, wide hallways and doorways, CROWN MOULDING throughout, tray ceilings in the family and dining rooms. There is a DETACHED TINY HOUSE with a murphy bed and its own septic, 1 bedroom, bath, kitchenette, front porch and 2 storage lofts. Many possibilities for the tiny house...Airbnb, guest house, craft room...you name it! The Lanai has plenty of seating, and includes a SWIM/SPA, a GAZEBO, Bluetooth speakers and breathtaking sunsets! SOME FENCING IS ALREADY IN PLACE FOR HORSES, so bring your horses. This property just has so much to offer...30 and 50 AMP RV HOOK UPS, and RV CARPORT, 2 2-CAR CARPORTS, DETACHED 25X40 WORKSHOP, STORAGE SHED WITH 2 LOFTS, ELECTRIC FRONT GATE, FULL SECURITY SYSTEM INCLUDES 3 OUTDOOR CAMERAS, INCLUDING THE FRONT DOOR, A/C 6 yrs, ROOF 3yrs, A KOI POND WITH MATURE KOI AT THE FRONT ENTRANCE. Give us a call, it will be a pleasure to show this property.

4280 Turner Road, Mulberry

$324,700
3 Beds 2 Baths Imperialakes Ph 02 Sec 01-A SubDv. 33860 Zip Code
Unwinding as you drive home down the tree lined boulevard and living in a community with a vast array of home styles, are just a couple of the advantages of living in IMPERIAL LAKES. This property has been IMMACULATELY MAINTAINED and pride of ownership shines through. IMPERIAL LAKES is situated on the SOUTH BORDER OF LAKELAND and MULBERRY. It offers a screened front entrance, SPLIT BEDROOM floor plan and CUSTOM TILE FLOORING that flows throughout, creating a clean cohesive look that's easy to maintain. The EAT-IN KITCHEN with a closet pantry, and a pass through to the family room, was designed with GRANITE counters and STAINLESS appliances. Directly off the kitchen is an INDOOR LAUNDRY room which leads out to the 2-CAR ATTACHED GARAGE with BUILT-IN SHELVING. The PRIMARY BATH has its own linen closet, MARBLE COUNTERS and a shower with a convenient shower seat and double sinks. The second and third bedrooms share a full hall bath with MARBLE COUNTERS, linen closet, shower and tub. All 3 bedrooms, the family room and the kitchen have CEILING FANS. The CORNER LOT has a SHED, SCREENED LANAI and open patio with brick pavers which includes a large Cantilever umbrella. The back yard is fully fenced. Publix and Dunkin' are both located at the end of the boulevard and Walmart and Aldi are under 15 minutes away. Easy access to Hwy 60, I-4 access, Polk Parkway and County Line Rd. Also nearby is Lakeside Village outdoor shopping mall and Christina Park which is pet friendly and offers a playground set for the children, sidewalks for walking/running, benches, picnic tables, a screened pavilion, outdoor grills and rest rooms. Imperial Lakes is designed for walking, running, dog walking and bike riding. It's away from the noise of the city, yet with easy access to everyday needs. Call to visit this property, it's a pleasure to show.

3623 Opal Drive, Mulberry

$224,900
3 Beds 2 Baths Whidden & Kirkland Add SubDv. 33860 Zip Code
Welcome to 175 Smith St. in Mulberry, FL! This charming mobile home was constructed in 2026, offering a modern and well-maintained living space for its future residents. Situated on a spacious lot of 5,227 sq.ft., this property provides ample outdoor space for relaxation and entertainment. Never occupied. Land included - no lot rent!. NO HOA. This cozy mobile home features 2 bathrooms, providing convenience and comfort for its occupants. With a total finished area of 1,053 sq.ft., there is plenty of room for a small family or individuals looking for a comfortable living space. The layout of the home is thoughtfully designed to maximize the use of space while maintaining a cozy and inviting atmosphere. The lot size offers potential for outdoor activities, gardening, or simply enjoying the fresh air and sunshine. Whether you're looking to relax in the shade of a tree or host a barbecue with friends and family, the outdoor space at 175 Smith St. has endless possibilities. Country living with city convenience: Enjoy the peace and privacy of country-style living while staying just minutes from everyday essentials. Approximately 10-15 minutes to Downtown Lakeland for shopping, restaurants and entertainment. Easy access to Bartow, Plant City and major highways for commuting. Overall, 175 Smith St. is a wonderful opportunity for anyone looking for a comfortable and well-maintained mobile home in Mulberry, FL. With its modern construction, spacious lot size, and convenient location, this property has everything you need to make it your own. Don't miss out on the chance to make this charming mobile home your new sanctuary!.

175 Smith Street, Mulberry

$370,000
4 Beds 2 Baths Imperialakes Ph 02 SubDv. 33860 Zip Code
Welcome to this beautifully maintained 4-bedroom, 2-bath home situated on over half an acre in an established neighborhood, offering the perfect combination of space, privacy, and convenience. Backing up to a peaceful creek with no rear neighbors, this property provides a serene setting while remaining just minutes from shopping, dining, schools, and everyday amenities. Step inside and you'll immediately appreciate the soaring vaulted ceilings accented by striking exposed wood beams, creating warmth, architectural character, and a timeless custom feel throughout the main living area. The thoughtfully designed split floor plan offers both functionality and privacy. The spacious sunken living room is the centerpiece of the home, featuring a stunning floor-to-ceiling wood-burning fireplace that creates a warm and inviting space for gathering with family and friends. French doors open into the expansive Florida room with screened windows, providing additional living space that's perfect for entertaining, relaxing, or enjoying peaceful backyard views year-round. The oversized primary suite features a walk-in closet, while the additional bedrooms offer flexibility for family, guests, or a home office. An oversized two-car garage provides ample room for vehicles, storage, tools, or hobbies. Lovingly cared for over the years, this home is move-in ready while offering the perfect opportunity to personalize and make it your own. Major improvements include a 2018 roof, one new HVAC system updated in 2022 providing added peace of mind for years to come. From the oversized homesite, mature landscaping, and private backyard with a tranquil creek to the distinctive architectural details and unbeatable location, this property offers the space, character, and lifestyle that's becoming increasingly difficult to find. Conveniently located near shopping, restaurants, schools, parks, and major roadways, you'll enjoy the perfect balance of peaceful living with everyday convenience.

85 Country Club Lane, Mulberry

$329,900
3 Beds 2 Baths Park Ridge At Sundance SubDv. 33860 Zip Code
PRICE REDUCED! Welcome home to 3005 Park Ridge Ave. This spacious 3 bedroom, 2 bathroom home features a dedicated office and 1,936 square feet of versatile living space. Thoughtfully designed with flexibility in mind, the floor plan offers two separate living areas, providing endless possibilities for a formal dining room, playroom, media room, or additional family space to fit your lifestyle. Pride of ownership shines throughout this meticulously maintained home. Recent improvements include a brand new roof (2025), brand new water heater (2026), luxury laminate flooring (2026), freshly painted interior (2026), and all new kitchen appliances with the exception of the range. Perfectly positioned to capture peaceful pond views, this east facing home offers beautiful sunset views from your backyard. The space adjacent to the kitchen is currently used as a dining room but can easily serve as a comfortable family room, making it ideal for entertaining. The spacious front living area provides even more flexibility, allowing you to create a layout that works best for your needs. Plus, with no carpet throughout the home, everyday maintenance is simple and convenient. At the end of the day, retreat to the spacious primary suite featuring a walk in closet and private ensuite bath with a double vanity, a soaking tub, and a separate shower. The secondary bedrooms offer ample closet space, recessed lighting, and the same easy to maintain flooring found throughout the home. Step outside to the screened lanai and enjoy serene pond views with no rear neighbors, all within the privacy of a fully fenced backyard. Combining space, functionality, and a peaceful waterfront setting, this Mulberry home is ready to welcome its next owners. Plus, USDA eligibility may allow qualified buyers to purchase with 100% financing!

3005 Park Ridge Avenue, Mulberry

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