Polk County property record for 331 Bay St, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,417 sqft · built 1973 |
| Lot Size | 0.577 acres (25,130 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $580,000 (Apr 2022) |
| Tax Bill | $7,447 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Sep 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-02-309500-000130 |
| Primary APN | 25-28-02-309500-000130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,417 sqft Living Area |
| Gross Area | 2,335 sqft |
| 1st Floor Area | 1,741 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 25,130 sqft (0.577 acres) |
| Lot Dimensions | 260 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 594 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 392 sqft |
| Pool House | Pool House |
| Porch | Finished/Open Porch |
| Porch Area | 382 sqft |
| Shed | 1 Shed |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|
| Street Address | 331 BAY ST |
|---|---|
| City | AUBURNDALE |
| State | FL |
| Zip | 33823-3336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FLANIGAN C R SUB PB 4 PG 67 LOT 13 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 02 |
| Legal Subdivision | FLANIGAN C R SUBDIVISION |
| Legal Tract | 309500 |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 13102 |
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 | 331 BAY ST, AUBURNDALE, FL 33823-3336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2022 | Warranty Deed, Transfer · VA Mortgage THE HOME LOAN EXPERT LLC |
| Sep 30, 2021 | Warranty Deed, Transfer |
| Jan 21, 2020 | Deed of Trust, Mortgage HOMEXPRESS MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2022 · Amount on Record |
| Deed Sale | Apr 14, 2022 · Amount on Record |
| Prior Sale | Sep 30, 2021 · Amount on Record |
| Deed Document Number | 2022102789 |
| Deed Book / Page | 12210 / 1514 |
| Prior Transfer Date | Sep 29, 2021 |
| Prior Transfer Doc | 0000256064 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 14, 2022 |
| Property Address | 331 BAY ST, AUBURNDALE, FL 33823-3336 |
| Document Number | 0000102789 |
| Book / Page | 12210 / 1514 |
| Map Reference | MB 4 PG 67 |
| Instrument Date | Apr 8, 2022 |
| Instrument | 2022102789 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | EXECUTIVE TITLE/CTRL FL INC, EXECUTIVE TTL OF CTRL FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,060.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 131 S HYDRANGEA AVE, 131, POLK CITY, FL 33868-9221 |
| Name | Verified Name |
|---|---|
| Address | 331 BAY ST, AUBURNDALE, FL 33823-3336 |
| Document Number | 0122101515 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 12210/1515 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 30, 2021 |
| Property Address | 331 BAY ST, AUBURNDALE, FL 33823-3336 |
| Document Number | 0000256064 |
| Book / Page | 11918 / 510 |
| Map Reference | MB 4 PG 67 |
| Instrument Date | Sep 29, 2021 |
| Instrument | 2021256064 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 336 W BRIDGERS AVE, AUBURNDALE, FL 33823-3418 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 331 BAY ST, AUBURNDALE, FL 33823-3336 |
| Document Number | 0111261285 |
| Instrument Date | Jan 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2020 |
| Title Company | EXECUTIVE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 331 BAY ST AUBURNDALE FL 338233336, AUBURNDALE, FL 33823-3336 |
| Document Number | 0111261285 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 011126/001285 |
| Instrument | 24275 |
| Name | HOMEXPRESS MTG CORP |
|---|---|
| Address | SANTA ANA, CA 92705 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 2, 2050 |
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 | $516,204 (+2.7%) | $524,196 (+4.29%) Land $121,000 Building $403,196 | |
| 2025 | $7,447.00 (+2.14%) Homeowner's exemption Veteran's exemption | $502,633 (+5.17%) Land $121,000 Building $381,633 | $502,633 (+5.17%) Land $121,000 Building $381,633 |
| 2024 | $7,291.00 (+2.2%) | ||
| 2023 | $7,134.00 (+11.1%) Homeowner's exemption | $477,929 (+24.21%) Land $86,900 Building $391,029 | $477,929 (+24.21%) Land $86,900 Building $391,029 |
| 2022 | $6,421.00 | $384,789 Land $72,600 Building $312,189 | $384,789 Land $72,600 Building $312,189 |
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (2004–2022) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 | Low lower than 97% of the US · lower than 96% 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 67 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 |
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