Polk County property record for 1322 Windward Oaks Loop, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,707 sqft · built 2017 |
| Lot Size | 0.193 acres (8,403 sqft) |
| Owner | Individual Name on File |
| Last Sale | $179,700 (Feb 2017) |
| Tax Bill | $2,280 (2025) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-27-21-299502-000540 |
| Primary APN | 25-27-21-299502-000540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,707 sqft Living Area |
| Gross Area | 2,148 sqft |
| 1st Floor Area | 1,707 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,403 sqft (0.193 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 246 sqft |
| Street Address | 1322 WINDWARD OAKS LOOP |
|---|---|
| City | AUBURNDALE |
| State | FL |
| Zip | 33823-5438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BERKLEY RESERVE REPLAT PB 144 PGS 28-30 LOT 54 |
| Legal Range | 25E |
| Legal Township | 27S |
| Legal Section | 21 |
| Legal Subdivision | BERKLEY RESERVE |
| Legal Tract | 299502 |
| Legal Block | 1 |
| Legal Lot Number | 54 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 12408 |
1322 Windward Oaks Loop is owned and occupied by an individual who acquired it in February 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1322 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| 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 |
|---|---|
| Feb 27, 2023 | Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage PLANET HOME LENDING LLC |
| Mar 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MORTGAGE SOLUTIONS LLC |
| Feb 17, 2017 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOUSING FIN AUTH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2017 · Amount on File |
| Deed Sale | Feb 17, 2017 · Amount on File |
| Prior Sale | Sep 1, 2016 · Amount on File |
| Deed Document Number | 201732213 |
| Deed Book / Page | 10069 / 77 |
| Last Transfer Date | Feb 15, 2023 |
| Transfer Doc | 0000044861 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 27, 2023 |
| Property Address | 1322 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Document Number | 0000044861 |
| Book / Page | 12594 / 292 |
| Map Reference | MB 144 PG 28-30 |
| Instrument Date | Feb 15, 2023 |
| Instrument | 2023044861 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1322 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Name | Verified Name |
|---|---|
| Address | 1322 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Document Number | 0012594294 |
|---|---|
| Date | Feb 27, 2023 |
| Instrument | 12594/294 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1322 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1322 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Document Number | 0000087902 |
|---|---|
| Date | Mar 31, 2022 |
| Book Page | 12188/807 |
| Instrument | 2022087902 |
| Name | FIRST MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 17, 2017 |
| Property Address | 1322 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Document Number | 0100690077 |
| Book / Page | 010069 / 000077 |
| Instrument Date | Feb 15, 2017 |
| Instrument | 32213 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 26, 2017 |
| Title Company | INNOVATIVE TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,257.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1322 WINDWARD OAKS LOOP AUBURNDALE FL 338235438, AUBURNDALE, FL 33823-5438 |
| Document Number | 100690090 |
|---|---|
| Date | Feb 17, 2017 |
| Book Page | 010069/000090 |
| Instrument | 32215 |
| Name | HOUSING FIN AUTH |
|---|---|
| Address | CLEARWATER, FL 33761 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 100690078, |
|---|---|
| Date | Feb 17, 2017 |
| Book Page | 010069/000078 |
| Instrument | 32214 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 16, 2047 |
The 2025 property tax bill for 1322 Windward Oaks Loop was $2,280 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 | $187,228 (+2.97%) | $246,281 (-2.1%) Land $56,000 Building $190,281 | |
| 2025 | $2,280.00 Homeowner's exemption | $181,819 | $251,565 Land $56,000 Building $195,565 |
| 2023 | $2,146.00 (+3.02%) Homeowner's exemption | $171,549 (+3%) | $266,533 (+15.4%) Land $55,000 Building $211,533 |
| 2022 | $2,083.00 Homeowner's exemption | $166,552 | $230,963 Land $40,000 Building $190,963 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1322 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 5 (2004–2024) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 1322 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 Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 292 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 |
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