Polk County property record for 1306 Speaker Dr, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,267 sqft · built 1956 |
| Lot Size | 0.651 acres (28,371 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (May 2010) |
| Tax Bill | $1,634 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-27-35-305249-003130 |
| Primary APN | 25-27-35-305249-003130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,267 sqft Living Area |
| Gross Area | 1,997 sqft |
| 1st Floor Area | 1,607 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 28,371 sqft (0.651 acres) |
| Lot Dimensions | 260 ft deep x 218 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 728 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 900 sqft |
| Shed | 1 Shed |
| Cooling System | None |
|---|
| Street Address | 1306 SPEAKER DR |
|---|---|
| City | AUBURNDALE |
| State | FL |
| Zip | 33823-2131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ARIANA HILLS PB 10 PG 51 IN SEC 35 T27 R25 BLK 3 THAT PT OF LOTS 13 14 & 15 DESC AS: BEG MOST NLY COR LOT 13 RUN SELY ALONG GILLIAM DR 87 FT THENCE AT AN ANGLE OF 90 DEG TO THE RIGHT 123 FT THENCE AT AN ANGLE OF 90 DEG TO THE RIGHT 87 FT TO NLY BNDRY |
| Legal Range | 25E |
| Legal Township | 27S |
| Legal Section | 35 |
| Legal Subdivision | ARIANA HILLS |
| Legal Tract | 305249 |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 13001 |
1306 Speaker Dr is owned and occupied by two individuals who bought it in May 2010.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1306 SPEAKER DR, AUBURNDALE, FL 33823-2131 |
| 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.
| Date | Document |
|---|---|
| Oct 26, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Oct 9, 2020 | Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK NA |
| Mar 20, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/TAMPA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2010 · Amount on File |
| Deed Sale | May 6, 2010 · Amount on File |
| Deed Document Number | 201072675 |
| Deed Book / Page | 8131 / 1754 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1306 SPEAKER DR, AUBURNDALE, FL 33823-2131 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1306 SPEAKER DR, AUBURNDALE, FL 33823-2131 |
| Document Number | 0000281870 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | 12462/1473 |
| Instrument | 2022281870 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Aug 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1306 SPEAKER DR, AUBURNDALE, FL 33823-2131 |
| Document Number | 0114560977 |
| Instrument Date | Oct 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1306 SPEAKER DR AUBURNDALE FL 338232131, AUBURNDALE, FL 33823-2131 |
| Document Number | 0114560977 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 011456/000977 |
| Instrument | 244462 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 12, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1306 SPEAKER DR, AUBURNDALE, FL 33823-2131 |
| Document Number | 0104520881 |
| Instrument Date | Mar 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1306 SPEAKER DR AUBURNDALE FL 338232131, AUBURNDALE, FL 33823-2131 |
| Document Number | 0104520881 |
|---|---|
| Date | Apr 12, 2018 |
| Book Page | 010452/000881 |
| Instrument | 78324 |
| Name | FIFTH THIRD BK/TAMPA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 11, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1306 Speaker Dr was $1,634 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Auburndale City |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $146,142 (+2.7%) | $327,254 (+6.39%) Land $48,360 Building $278,894 | |
| 2025 | $1,634.00 Homeowner's exemption | $142,300 | $307,592 Land $48,360 Building $259,232 |
| 2023 | $1,529.00 (+3.45%) Homeowner's exemption | $134,262 (+3%) | $316,343 (+12.84%) Land $46,249 Building $270,094 |
| 2022 | $1,478.00 Homeowner's exemption | $130,351 | $280,338 Land $44,472 Building $235,866 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1306 Speaker Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.
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 File median of 16 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2001 · tidal / storm surge |
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 risk around 1306 Speaker Dr is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 302 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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