Polk County property record for 302 E Derby Ave, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,012 sqft · built 1946 |
| Lot Size | 0.21 acres (9,152 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Feb 2025) |
| Tax Bill | $1,277 (2025) |
| Deeds & Mortgages | Feb 2025 Sale & Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-14-344500-000040 |
| Primary APN | 25-28-14-344500-000040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,012 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plaster |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,152 sqft (0.21 acres) |
| Lot Dimensions | 147 ft deep x 69 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 162 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 240 sqft |
| Cooling System | None |
|---|
| Street Address | 302 E DERBY AVE |
|---|---|
| City | AUBURNDALE |
| State | FL |
| Zip | 33823-4614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | PINECREST SUB PB 15 PG 38 LOTS 4 & W1/2 OF 5 LESS RD R/W FOR S 544 A |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 14 |
| Legal Subdivision | PINECREST SUBDIVISION |
| Legal Tract | 344500 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 13300 |
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 | 2910 BAY VILLA CT, LAKELAND, FL 33801-7011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Feb 17, 2025 | Warranty Deed, Transfer · FHA Mortgage ABSOLUTE HOME MORTGAGE CORP |
| Aug 17, 2023 | Warranty Deed, Transfer · Balloon Mortgage CAPITAL FUNDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2025 · Amount on Record |
| Deed Sale | Feb 17, 2025 · Amount on Record |
| Prior Sale | Aug 17, 2023 · Amount on Record |
| Deed Document Number | 202536381 |
| Deed Book / Page | 13436 / 686 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 17, 2025 |
| Property Address | 302 E DERBY AVE, AUBURNDALE, FL 33823-4614 |
| Document Number | 0000036381 |
| Book / Page | 13436 / 686 |
| Map Reference | MB 15 PG 38 |
| Instrument Date | Jan 24, 2025 |
| Instrument | 2025036381 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | TITLE NOW INC, TITLE HOUZ INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5825 NORTH LN, ORLANDO, FL 32808-2105 |
| Name | Verified Name |
|---|---|
| Address | 2910 BAY VILLA CT, LAKELAND, FL 33801-7011 |
| Document Number | 0013436688 |
|---|---|
| Date | Feb 17, 2025 |
| Instrument | 13436/688 |
| Name | ABSOLUTE HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 17, 2023 |
| Property Address | 302 E DERBY AVE, AUBURNDALE, FL 33823-4614 |
| Document Number | 0000193537 |
| Book / Page | 12805 / 184 |
| Map Reference | MB 15 PG 38 |
| Instrument Date | Aug 7, 2023 |
| Instrument | 2023193537 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | WALSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2425 CALIFORNIA ST APT 2, 2, BERKELEY, CA 94703-1635 |
| Name | Verified Name |
|---|---|
| Address | 5825 NORTH LN, ORLANDO, FL 32808-2105 |
| Document Number | 0000193538 |
|---|---|
| Date | Aug 17, 2023 |
| Book Page | 12805/190 |
| Instrument | 2023193538 |
| Name | CAPITAL FUNDING |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32803 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $167,671 (+69.66%) Land $36,293 Building $131,378 | $167,671 (+69.66%) Land $36,293 Building $131,378 | |
| 2025 | $1,277.00 (-2.52%) | $98,826 (+15.2%) Land $36,293 Building $62,533 | $98,826 (+15.2%) Land $36,293 Building $62,533 |
| 2023 | $1,310.00 (+14.51%) | $85,785 (+31.63%) Land $21,098 Building $64,687 | $85,785 (+31.63%) Land $21,098 Building $64,687 |
| 2022 | $1,144.00 | $65,173 Land $7,680 Building $57,493 | $65,173 Land $7,680 Building $57,493 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 10 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 10 in force |
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 | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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