Polk County property record for 355 Spinnaker Ct, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,175 sqft · built 2025 |
| Lot Size | 0.322 acres (14,026 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $81,000 (Jan 2024) |
| Tax Bill | $1,116 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-27-36-305501-003320 |
| Primary APN | 25-27-36-305501-003320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,175 sqft Living Area |
| Gross Area | 2,833 sqft |
| 1st Floor Area | 2,175 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 14,026 sqft (0.322 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 658 sqft |
| Pool Type | Enclosed Pool |
| Porch | Screened/Unfinished Porch |
| Street Address | 355 SPINNAKER CT |
|---|---|
| City | AUBURNDALE |
| State | FL |
| Zip | 33823-2150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATER RIDGE SUBDIVISION PB 133 PGS 24 THRU 35 LOT 332 |
| Legal Range | 25E |
| Legal Township | 27S |
| Legal Section | 36 |
| Legal Subdivision | WATER RIDGE SUBDIVISION |
| Legal Tract | 305501 |
| Legal Block | 1 |
| Legal Lot Number | 332 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 12409 |
355 Spinnaker Ct is owned and occupied by two individuals who bought it in January 2024.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 355 SPINNAKER CT, AUBURNDALE, FL 33823-2150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CREDIT UNION |
| Jan 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU |
| Aug 4, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 20, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2024 · Amount on File |
| Deed Sale | Jan 16, 2024 · Amount on File |
| Prior Sale | Aug 4, 2021 · Amount on File |
| Deed Document Number | 202410750 |
| Deed Book / Page | 12973 / 1130 |
| Prior Transfer Date | Jun 10, 2019 |
| Prior Transfer Doc | 0000129069 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 15, 2026 |
| Property Address | 355 SPINNAKER CT, AUBURNDALE, FL 33823-2150 |
| Document Number | 0000089189 |
| Book / Page | 13958 / 1608 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 202689189 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 355 SPINNAKER CT, AUBURNDALE, FL 33823-2150 |
| Document Number | 0000089189, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 13958/1608 |
| Instrument | 202689189 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 16, 2024 |
| Property Address | 355 SPINNAKER CT, AUBURNDALE, FL 33823-2150 |
| Document Number | 0000010750 |
| Book / Page | 12973 / 1130 |
| Map Reference | MB 133 PG 24-35 |
| Instrument Date | Dec 12, 2023 |
| Instrument | 2024010750 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $567.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2942 SNOWBERRY DR SW, WYOMING, MI 49418-9151 |
| Name | Verified Name |
|---|---|
| Address | 248 CALADIUM AVE, LAKE ALFRED, FL 33850-2517 |
| Document Number | 0129731132 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 12973/1132 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 4, 2021 |
| Property Address | 355 SPINNAKER CT, AUBURNDALE, FL 33823-2150 |
| Document Number | 0000202485 |
| Book / Page | 11833 / 488 |
| Map Reference | MB 133 PG 24-35 |
| Instrument Date | Jul 28, 2021 |
| Instrument | 2021202485 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $349.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5300 TIMUCUA CIR, 5300, ST AUGUSTINE, FL 32086-5627 |
| Name | Verified Name |
|---|---|
| Address | 2942 SNOWBERRY DR SW, WYOMING, MI 49418-9151 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 20, 2019 |
| Property Address | 355 SPINNAKER CT, AUBURNDALE, FL 33823-2150 |
| Document Number | 0108812140 |
| Book / Page | 010881 / 002140 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 129069 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 5300 TIMUCUA CIR ST AUGUSTINE FL 320865627, ST AUGUSTINE, FL 32086-5627 |
The 2025 property tax bill for 355 Spinnaker Ct was $1,116 with a homeowner's exemption, up 24.6% from the year before.
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 | $504,614 (+639.36%) | $520,060 (+661.99%) Land $57,750 Building $462,310 | |
| 2025 | $1,116.00 (+24.55%) | $68,250 Land $68,250 | $68,250 Land $68,250 |
| 2024 | $896.00 (+8.08%) | ||
| 2023 | $829.00 (+24.66%) | $63,000 (+57.89%) Land $63,000 | $63,000 (+57.89%) Land $63,000 |
| 2022 | $665.00 | $39,900 Land $39,900 | $39,900 Land $39,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 355 Spinnaker Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.
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 File median of 33 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 33 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.
Wildfire risk around 355 Spinnaker Ct is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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