Polk County property record for 1358 Windward Oaks Loop, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,091 sqft · built 2015 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $261,500 (Jun 2020) |
| Tax Bill | $3,533 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-27-21-299502-000450 |
| Primary APN | 25-27-21-299502-000450 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,091 sqft Living Area |
| Gross Area | 3,553 sqft |
| 1st Floor Area | 1,781 sqft |
| Upper Floors Area | 1,310 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,973 sqft (0.206 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 307 sqft |
| Street Address | 1358 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 45 |
| Legal Range | 25E |
| Legal Township | 27S |
| Legal Section | 21 |
| Legal Subdivision | BERKLEY RESERVE |
| Legal Tract | 299502 |
| Legal Block | 1 |
| Legal Lot Number | 45 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 12408 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1358 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 15, 2020 | Warranty Deed, Transfer · VA Mortgage PARAMOUNT RESID'L MTG |
| Nov 1, 2018 | Deed of Trust, Mortgage · Line of Credit CENTRUST BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2020 · Amount on Record |
| Deed Sale | Jun 15, 2020 · Amount on Record |
| Prior Sale | Sep 15, 2016 · Amount on Record |
| Deed Document Number | 2020118709 |
| Deed Book / Page | 11266 / 137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1358 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 1358 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Document Number | 0000089349 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 11659/844 |
| Instrument | 2021089349 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 15, 2020 |
| Property Address | 1358 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Document Number | 0112660137 |
| Book / Page | 011266 / 000137 |
| Instrument Date | Jun 10, 2020 |
| Instrument | 118709 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,831.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1358 WINDWARD OAKS LOOP AUBURNDALE FL 338235438, AUBURNDALE, FL 33823-5438 |
| Document Number | 112660140 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 011266/000140 |
| Instrument | 118710 |
| Name | PARAMOUNT RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 14, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1358 WINDWARD OAKS LOOP, AUBURNDALE, FL 33823-5438 |
| Document Number | 0106821606 |
| Instrument Date | Nov 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1358 WINDWARD OAKS LOOP AUBURNDALE FL 338235438, AUBURNDALE, FL 33823-5438 |
| Document Number | 0106821606 |
|---|---|
| Date | Nov 29, 2018 |
| Book Page | 010682/001606 |
| Instrument | 248088 |
| Name | CENTRUST BK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 28, 2028 |
| Rate Type | Adjustable Rate |
|---|
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 | $265,396 (+2.7%) | $342,742 (-1.79%) Land $56,000 Building $286,742 | |
| 2025 | $3,533.00 (+5.72%) Homeowner's exemption | $258,419 (+5.99%) | $348,990 (-5.14%) Land $56,000 Building $292,990 |
| 2023 | $3,342.00 (+2.7%) Homeowner's exemption | $243,821 (+3%) | $367,906 (+23.02%) Land $55,000 Building $312,906 |
| 2022 | $3,254.00 Homeowner's exemption | $236,719 | $299,052 Land $40,000 Building $259,052 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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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