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1310 Windward Oaks Loop, Auburndale, FL 33823 Property Records

Polk County property record for 1310 Windward Oaks Loop, Auburndale, FL 33823

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,702 sqft · built 2010
Lot Size0.193 acres (8,403 sqft)
Owner2 Individual Names on File
Last Sale$56,000 (Aug 2009)
Tax Bill$1,779 (2025)
Deeds & MortgagesSep 2026 Mortgage
Jan 2026 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN25-27-21-299502-000570

Property Details

APN / Parcel Number

Primary APN25-27-21-299502-000570
Alternative APNs
  • 212725299502000570
  • 12725000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,702 sqft Living Area
Gross Area2,484 sqft
1st Floor Area1,702 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2010
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area8,403 sqft (0.193 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area418 sqft
PorchFlorida Room
Porch Area418 sqft

Location & Zoning

Street Address1310 WINDWARD OAKS LOOP
CityAUBURNDALE
StateFL
Zip33823-5438
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBERKLEY RESERVE REPLAT PB 144 PGS 28-30 LOT 57
Legal Range25E
Legal Township27S
Legal Section21
Legal SubdivisionBERKLEY RESERVE
Legal Tract299502
Legal Block1
Legal Lot Number57
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group1
Census Block1029
Census Tract12408

Owner

1310 Windward Oaks Loop is owned and occupied by two individuals who acquired it in January 2023.

Source: Polk County records, as of October 8, 2026

Owner of Record2 Individual Names on File
Mailing Address1310 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 28, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 16, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 25, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 20, 2009 · Amount on File
Deed SaleAug 20, 2009 · Amount on File
Deed Document Number2009154199
Deed Book / Page7956 / 2005
Last Transfer DateJan 16, 2023
Transfer Doc0000018868
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateSep 28, 2026
Property Address1310 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Document Number0000234035
Book / Page14169 / 583
Instrument DateSep 21, 2026
Instrument2026234035
Transaction TypeMortgage
Record UpdatedOct 8, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1310 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438

Mortgage

Document Number0000234035,
DateSep 28, 2026
Book Page14169/583
Instrument2026234035
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueOct 1, 2046
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1310 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Transaction TypeMortgage
Record UpdatedFeb 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1310 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438

Mortgage

Document Number0000013701
DateJan 16, 2026
Book Page13849/2211
Instrument2026013701
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2056

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateJan 25, 2023
Property Address1310 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Document Number0000018868
Book / Page12561 / 765
Map ReferenceMB 144 PG 28-30
Instrument DateJan 16, 2023
Instrument2023018868
Transaction TypeTransfer
Record UpdatedFeb 8, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address310 WINDWARD LOOP, AUBURNDALE, FL 33823-5728

Transferred To (Grantee/Buyer)

NameVerified Name
Address1310 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438

Tax Assessment & Valuation

The 2025 property tax bill for 1310 Windward Oaks Loop was $1,779 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
MunicipalityAuburndale City
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$155,249 (+2.7%)$250,207 (+0.3%) Land $56,000 Building $194,207
2025$1,779.00 Homeowner's exemption$151,167$249,452 Land $56,000 Building $193,452
2023$1,668.00 (+3.35%) Homeowner's exemption$142,628 (+3%)$266,323 (+17.42%) Land $55,000 Building $211,323
2022$1,614.00 Homeowner's exemption$138,474$226,817 Land $40,000 Building $186,817

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1310 Windward Oaks Loop in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 17 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies17 in force
Nearby Flood Claims5 (2004–2024)
Claims Outside the SFHA2 of 5
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 2 claims
  • Hurricane Irma, Sep 2017 · 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

Wildfire risk around 1310 Windward Oaks Loop is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 53% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
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 SystemCITY OF AUBURNDALE
serves 35,239 people · EPA ID FL6530090
Water SourceGroundwater
Last State InspectionMay 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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 292 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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