109 Pine Tree Ln, Auburndale, FL 33823 Property Records

Polk County property record for 109 Pine Tree Ln, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 1975
Lot Size	0.362 acres (15,751 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Dec 2005)
Tax Bill	$879 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-27-33-301900-005160`

Property Details

APN / Parcel Number

Primary APN	`25-27-33-301900-005160`
Alternative APNs	`332725301900005160` `32725000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Living Area
Gross Area	2,346 sqft
1st Floor Area	1,926 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	15,751 sqft (0.362 acres)
Lot Dimensions	175 ft deep x 90 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Pool Area	450 sqft
Porch	Porch
Porch Area	14 sqft

Location & Zoning

Street Address	109 PINE TREE LN
City	AUBURNDALE
State	FL
Zip	33823-2208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISTLER WOODS PB 35 PG 47 BLK E LOT 16
Legal Range	25E
Legal Township	27S
Legal Section	33
Legal Subdivision	WHISTLER WOODS
Legal Tract	301900
Legal Block	E
Legal Lot Number	16
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2035
Census Tract	13101

Owner

Source: Polk County records, as of July 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 PINE TREE LN, AUBURNDALE, FL 33823-2208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 27, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2005 · Amount on Record
Deed Sale	Dec 12, 2005 · Amount on Record
Prior Sale	Apr 23, 1999 · Amount on Record
Deed Document Number	2005304023
Deed Book / Page	6535 / 2032
Prior Transfer Date	Dec 9, 2005
Prior Transfer Doc	0000304023
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jul 2, 2026
Property Address	109 PINE TREE LN, AUBURNDALE, FL 33823-2208
Document Number	0000158555
Book / Page	14061 / 1160
Instrument Date	Jun 26, 2026
Instrument	2026158555
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PINE TREE LN, AUBURNDALE, FL 33823-2208

Mortgage

Document Number	0000158555,
Date	Jul 2, 2026
Book Page	14061/1160
Instrument	2026158555

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	109 PINE TREE LN, AUBURNDALE, FL 33823-2208
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202096
Date	Aug 4, 2021
Book Page	11832/1403
Instrument	2021202096

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	109 PINE TREE LN, AUBURNDALE, FL 33823-2208
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034291
Date	Feb 10, 2021
Book Page	11574/2159
Instrument	2021034291

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	236 Months
Due	Oct 1, 2040

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	109 PINE TREE LN, AUBURNDALE, FL 33823-2208
Document Number	0105681005
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 PINE TREE LN AUBURNDALE FL 338232208, AUBURNDALE, FL 33823-2208

Mortgage

Document Number	0105681005
Date	Aug 2, 2018
Book Page	010568/001005
Instrument	164310

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2038

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$879.00 (-32.02%) Homeowner's exemption	$108,243 (+5.99%)	$265,094 (-3.8%) Land $54,000 Building $211,094
2023	$1,293.00 (+4.7%) Homeowner's exemption	$102,128 (+3%)	$275,552 (+13.58%) Land $52,000 Building $223,552
2022	$1,235.00 Homeowner's exemption	$99,153	$242,611 Land $22,374 Building $220,237

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
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 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	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 AUBURNDALE serves 35,239 people · EPA ID FL6530090
Water Source	Groundwater
Last State Inspection	May 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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