1338 Windward Oaks Loop, Auburndale, FL 33823 Property Records

Polk County property record for 1338 Windward Oaks Loop, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,101 sqft · built 2016
Lot Size	0.209 acres (9,100 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Aug 2021)
Tax Bill	$4,555 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-27-21-299502-000500`

Property Details

APN / Parcel Number

Primary APN	`25-27-21-299502-000500`
Alternative APNs	`212725299502000500` `12725000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,101 sqft Living Area
Gross Area	2,542 sqft
1st Floor Area	2,101 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,100 sqft (0.209 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	161 sqft

Location & Zoning

Street Address	1338 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 50
Legal Range	25E
Legal Township	27S
Legal Section	21
Legal Subdivision	BERKLEY RESERVE
Legal Tract	299502
Legal Block	1
Legal Lot Number	50
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1029
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	1338 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage NEAT LOANS LLC
May 4, 2021	Warranty Deed, Transfer OS NATIONAL LLC
Oct 5, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Mar 15, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2021 · Amount on Record
Deed Sale	Aug 13, 2021 · Amount on Record
Prior Sale	May 4, 2021 · Amount on Record
Deed Document Number	2021212135
Deed Book / Page	11848 / 209
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 13, 2021
Property Address	1338 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Document Number	0000212135
Book / Page	11848 / 209
Map Reference	MB 144 PG 28-30
Instrument Date	Jul 16, 2021
Instrument	2021212135
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1338 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438

Mortgage

Document Number	0011848211
Date	Aug 13, 2021
Instrument	11848/211

Lender

Name	NEAT LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 4, 2021
Property Address	1338 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Document Number	0000115115
Book / Page	11699 / 160
Map Reference	MB 144 PG 28-30
Instrument Date	Apr 28, 2021
Instrument	2021115115
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,893.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2722 NW 5TH AVE, 2722, OCALA, FL 34475-9373

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCORRSDALE RD #1600 # 1600, 1600, TEMPE, AZ 85281
Investor	Possibly a Property Investor

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1338 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Document Number	0114121811
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1338 WINDWARD OAKS LOOP AUBURNDALE FL 338235438, AUBURNDALE, FL 33823-5438

Mortgage

Document Number	0114121811
Date	Oct 14, 2020
Book Page	011412/001811
Instrument	216518

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 15, 2018
Property Address	1338 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Document Number	0104240095
Book / Page	010424 / 000095
Instrument Date	Mar 12, 2018
Instrument	56438
Transaction Type	Transfer
Record Updated	Apr 9, 2018
Title Company	RIDGE SECURITY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,484.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2722 NW 5TH AVE OCALA FL 344759373, OCALA, FL 34475-9373

Mortgage

Document Number	104240097
Date	Mar 15, 2018
Book Page	010424/000097
Instrument	56439

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Auburndale City
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		$274,621 (-1.38%) Land $56,000 Building $218,621	$274,621 (-1.38%) Land $56,000 Building $218,621
2025	$4,555.00 (-4.91%)	$278,452 (-6.71%) Land $56,000 Building $222,452	$278,452 (-6.71%) Land $56,000 Building $222,452
2023	$4,790.00	$298,477 Land $55,000 Building $243,477	$298,477 Land $55,000 Building $243,477

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 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	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

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.

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 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

1338 Windward Oaks Loop, Auburndale, FL 33823 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Windward Oaks Loop

Nearby Streets

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