1354 Windward Oaks Loop, Auburndale, FL 33823 Property Records

Polk County property record for 1354 Windward Oaks Loop, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,086 sqft · built 2015
Lot Size	0.177 acres (7,688 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Sep 2021)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-27-21-299502-000460`

Property Details

APN / Parcel Number

Primary APN	`25-27-21-299502-000460`
Alternative APNs	`212725299502000460` `12725000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,086 sqft Living Area
Gross Area	2,928 sqft
1st Floor Area	2,086 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,688 sqft (0.177 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	674 sqft
Porch	Florida Room
Porch Area	332 sqft

Location & Zoning

Street Address	1354 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 46
Legal Range	25E
Legal Township	27S
Legal Section	21
Legal Subdivision	BERKLEY RESERVE
Legal Tract	299502
Legal Block	1
Legal Lot Number	46
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1354 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Prior Sale	Dec 15, 2016 · Amount on Record
Deed Document Number	2021245084
Deed Book / Page	11900 / 467
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 21, 2021
Property Address	1354 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438
Document Number	0000245084
Book / Page	11900 / 467
Map Reference	MB 144 PG 28-30
Instrument Date	Sep 10, 2021
Instrument	2021245084
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	INTEGRITY FIRST TITLE, INTEGRITY FIRST TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1354 WINDWARD OAKS LOOP, 1354, AUBURNDALE, FL 33823-5438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6524 REAL LANE, LAKELAND, FL 33813

Mortgage

Document Number	0011900470
Date	Sep 21, 2021
Instrument	11900/470

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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		$309,167 (+2.25%) Land $56,000 Building $253,167	$309,167 (-3%) Land $56,000 Building $253,167
2025	Homeowner's exemption	$302,376 (+5.99%)	$318,714 (-5.85%) Land $56,000 Building $262,714
2023	Homeowner's exemption	$285,295	$338,521 Land $55,000 Building $283,521

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 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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