161 Pine Rustle Ln, Auburndale, FL 33823 Property Records

Polk County property record for 161 Pine Rustle Ln, Auburndale, FL 33823 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,368 sqft · built 2007
Lot Size	0.288 acres (12,558 sqft)
Owner	Individual Name on File
Last Sale	$189,100 (Dec 2007)
Tax Bill	$1,109 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-27-35-305253-000530`

Property Details

APN / Parcel Number

Primary APN	`25-27-35-305253-000530`
Alternative APNs	`352725305253000530` `52725000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,368 sqft Living Area
Gross Area	2,928 sqft
1st Floor Area	1,256 sqft
Upper Floors Area	1,112 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	12,558 sqft (0.288 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	560 sqft
Porch	Unfinished Open Porch
Porch Area	24 sqft

Location & Zoning

Street Address	161 PINE RUSTLE LN
City	AUBURNDALE
State	FL
Zip	33823-2738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES SUBDIVISION PB 139 PGS 21 & 22 LOT 53
Legal Range	25E
Legal Township	27S
Legal Section	35
Legal Subdivision	WHISPERING PINES SUBDIVISION
Legal Tract	305253
Legal Block	1
Legal Lot Number	53
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1020
Census Tract	13001

Owner

Source: Polk County records · APN 25-27-35-305253-000530

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	161 PINE RUSTLE LN, AUBURNDALE, FL 33823-2738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 27, 2026	Quit Claim Deed, Transfer · Conventional Mortgage POINT DIGITAL FINANCIAL INC
Dec 01, 2020	Deed of Trust, Mortgage · Conventional with PMI CARDINAL FIN'L
Sep 19, 2019	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FIN'L
Sep 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 03, 2007 · Amount on Record
Deed Sale	Dec 03, 2007 · Amount on Record
Deed Document Number	2007242585
Deed Book / Page	7496 / 1422
Last Transfer Date	Apr 17, 2026
Transfer Doc	0000098266
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	161 PINE RUSTLE LN, AUBURNDALE, FL 33823-2738
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 PINE RUSTLE LN, AUBURNDALE, FL 33823-2738

Mortgage

Document Number	0000046050
Date	Feb 27, 2024
Book Page	13021/105
Instrument	2024046050

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 26, 2039

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Apr 27, 2026
Property Address	161 PINE RUSTLE LN, AUBURNDALE, FL 33823-2738
Document Number	0000098266
Book / Page	13971 / 1407
Instrument Date	Apr 17, 2026
Instrument	202698266
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	VYLLA TITLE LLC, VYLLA TITLE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 PINE RUSTLE LN, AUBURNDALE, FL 33823-2738

Mortgage

Document Number	0000098267,
Date	Apr 27, 2026
Instrument	202698267

Lender

Name	POINT DIGITAL FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	161 PINE RUSTLE LN, AUBURNDALE, FL 33823-2738
Document Number	0115120407
Instrument Date	Dec 01, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 PINE RUSTLE LN AUBURNDALE FL 338232738, AUBURNDALE, FL 33823-2738

Mortgage

Document Number	0115120407
Date	Dec 29, 2020
Book Page	011512/000407
Instrument	280726

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	161 PINE RUSTLE LN, AUBURNDALE, FL 33823-2738
Document Number	0110371270
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 02, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 PINE RUSTLE LN AUBURNDALE FL 338232738, AUBURNDALE, FL 33823-2738

Mortgage

Document Number	0110371270
Date	Nov 12, 2019
Book Page	011037/001270
Instrument	239381

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	161 PINE RUSTLE LN, AUBURNDALE, FL 33823-2738
Document Number	0102710880
Book / Page	010271 / 000880
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 PINE RUSTLE LN AUBURNDALE FL 338232738, AUBURNDALE, FL 33823-2738

Mortgage

Document Number	0102710880
Date	Sep 28, 2017
Book Page	010271/000880
Instrument	185493

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,109.00 (+3.94%) Homeowner's exemption	$110,204 (+5.99%)	$282,133 (-1.98%) Land $52,000 Building $230,133
2024	$1,067.00 (+3.79%)
2023	$1,028.00 (+4.05%) Homeowner's exemption	$103,979 (+3%)	$287,845 (+17.9%) Land $50,000 Building $237,845
2022	$988.00 Homeowner's exemption	$100,950	$244,133 Land $42,000 Building $202,133

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050130011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 16 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2001, tidal / storm surge

Wildfire

Wildfire Risk	Low above 38% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,389 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 280 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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