123 Reflection Blvd, Auburndale, FL 33823 Property Records

Polk County property record for 123 Reflection Blvd, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,442 sqft · built 1997
Lot Size	0.538 acres (23,418 sqft)
Owner	Individual Name on Record
Last Sale	$499,000 (Oct 2025)
Tax Bill	$2,503 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-27-22-299750-000120`

Property Details

APN / Parcel Number

Primary APN	`25-27-22-299750-000120`
Alternative APNs	`222725299750000120` `22725000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,442 sqft Living Area
Gross Area	2,948 sqft
1st Floor Area	2,442 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	23,418 sqft (0.538 acres)
Lot Dimensions	195 ft deep x 120 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	506 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	392 sqft
Porch	Finished/Open Porch
Porch Area	347 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	123 REFLECTION BLVD
City	AUBURNDALE
State	FL
Zip	33823-9665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE REFLECTIONS OF JULIANA PB 90 PG 4 LOT 12
Legal Range	25E
Legal Township	27S
Legal Section	22
Legal Subdivision	REFLECTIONS OF JULIANA
Legal Tract	299750
Legal Block	2
Legal Lot Number	12
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2030
Census Tract	12408

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	123 REFLECTION BLVD, AUBURNDALE, FL 33823-9665
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 20, 2025	Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FIN'L
Jul 12, 2018	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Prior Sale	Jul 10, 2015 · Amount on Record
Deed Document Number	2025246446
Deed Book / Page	13743 / 2167
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	123 REFLECTION BLVD, AUBURNDALE, FL 33823-9665
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 REFLECTION BLVD, AUBURNDALE, FL 33823-9665

Mortgage

Document Number	0000036917
Date	Feb 16, 2024
Book Page	13008/2145
Instrument	2024036917

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 15, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 20, 2025
Property Address	123 REFLECTION BLVD, AUBURNDALE, FL 33823-9665
Document Number	0000246446
Book / Page	13743 / 2167
Map Reference	MB 90 PG 4
Instrument Date	Oct 9, 2025
Instrument	2025246446
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,493.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 EVENING GLOW LN, SUMMERVILLE, SC 29486-2513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 REFLECTION BLVD, AUBURNDALE, FL 33823-9665

Mortgage

Document Number	0137432169
Date	Oct 20, 2025
Instrument	13743/2169

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	123 REFLECTION BLVD, AUBURNDALE, FL 33823-9665
Document Number	0113921785
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 REFLECTION BLVD AUBURNDALE FL 338239665, AUBURNDALE, FL 33823-9665

Mortgage

Document Number	0113921785
Date	Sep 29, 2020
Book Page	011392/001785
Instrument	203378

Lender

Name	CHRISTENSEN FIN'L
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 28, 2040

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	123 REFLECTION BLVD, AUBURNDALE, FL 33823-9665
Document Number	0105641448
Instrument Date	Jul 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 REFLECTION BLVD AUBURNDALE FL 338239665, AUBURNDALE, FL 33823-9665

Mortgage

Document Number	0105641448
Date	Jul 30, 2018
Book Page	010564/001448
Instrument	161696

Lender

Name	PNC BK
Type	Bank
Address	CHAMPIONS GATE, FL 33896

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 29, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 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
2026		$261,093 (+11.67%)	$356,057 (+3.14%) Land $76,000 Building $280,057
2025	$2,503.00 (-18.2%)	$233,812 (+2.9%)	$345,229 (-1.32%) Land $76,000 Building $269,229
2024	$3,060.00 (+6.92%) Homeowner's exemption	$227,223 (+3%)	$349,841 (+0.41%) Land $76,000 Building $273,841
2023	$2,862.00 (+3.06%) Homeowner's exemption	$220,605 (+3%)	$348,401 (+12.58%) Land $74,000 Building $274,401
2022	$2,777.00 Homeowner's exemption	$214,180	$309,465 Land $62,000 Building $247,465

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 100 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

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 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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