109 Reflection Blvd, Auburndale, FL 33823 Property Records

Polk County property record for 109 Reflection Blvd, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,062 sqft · built 1994
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on File
Last Sale	$151,000 (Oct 2001)
Tax Bill	$1,357 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-27-22-299750-000050`

Property Details

APN / Parcel Number

Primary APN	`25-27-22-299750-000050`
Alternative APNs	`222725299750000050` `22725000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,062 sqft Living Area
Gross Area	2,590 sqft
1st Floor Area	2,062 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	528 sqft
Porch	Screened/Unfinished Porch
Porch Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	109 REFLECTION BLVD
City	AUBURNDALE
State	FL
Zip	33823-9655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE REFLECTIONS OF JULIANA PB 90 PG 4 LOT 5
Legal Range	25E
Legal Township	27S
Legal Section	22
Legal Subdivision	REFLECTIONS OF JULIANA
Legal Tract	299750
Legal Block	2
Legal Lot Number	5
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2030
Census Tract	12408

Owner

Source: Polk County assessment roll, as of June 23, 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 File
Mailing Address	109 REFLECTION BLVD, AUBURNDALE, FL 33823-9655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 8, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2001 · Amount on Record
Deed Sale	Oct 29, 2001 · Amount on Record
Prior Sale	Jul 12, 1995 · Amount on Record
Deed Book / Page	4835 / 291
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	109 REFLECTION BLVD, AUBURNDALE, FL 33823-9655
Transaction Type	Mortgage
Record Updated	Mar 28, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 REFLECTION BLVD, AUBURNDALE, FL 33823-9655

Mortgage

Document Number	0000061053
Date	Mar 15, 2023
Book Page	12617/987
Instrument	2023061053

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	109 REFLECTION BLVD, AUBURNDALE, FL 33823-9655
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000243634
Date	Sep 8, 2022
Book Page	12410/1407
Instrument	2022243634

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	109 REFLECTION BLVD, AUBURNDALE, FL 33823-9655
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 REFI3ECFLON BLVD, AUBURNDALE, FL 33823

Mortgage

Document Number	0000084630
Date	Apr 6, 2021
Book Page	11651/1562
Instrument	2021084630

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

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	$1,357.00 (-25.11%) Homeowner's exemption	$150,170 (+5.99%)	$298,181 (-1.22%) Land $76,000 Building $222,181
2023	$1,812.00 (+3.84%) Homeowner's exemption	$141,687 (+3%)	$301,860 (+13.86%) Land $74,000 Building $227,860
2022	$1,745.00 Homeowner's exemption	$137,560	$265,107 Land $62,000 Building $203,107

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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