408 Riders Loop, Auburndale, FL 33823 Property Records

Polk County property record for 408 Riders Loop, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,990 sqft · built 2022
Lot Size	0.254 acres (11,073 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jan 2023)
Tax Bill	$4,374 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-27-15-298452-000460`

Property Details

APN / Parcel Number

Primary APN	`25-27-15-298452-000460`
Alternative APN	`152725298452000460`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,990 sqft Living Area
Gross Area	2,515 sqft
1st Floor Area	1,990 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	11,073 sqft (0.254 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	525 sqft
Porch	Finished/Open Porch
Porch Area	217 sqft

Location & Zoning

Street Address	408 RIDERS LOOP
City	AUBURNDALE
State	FL
Zip	33823-9691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JULIANA VILLAGE PHASE 3 PB 182 PGS 39-40 LOT 46
Legal Range	25E
Legal Township	27S
Legal Section	15
Legal Subdivision	JULIANA VILLAGE PHASE 3
Legal Phase	3
Legal Block	2
Legal Lot Number	46
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2034
Census Tract	12408

Owner

Source: Polk County records, as of June 23, 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	408 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jun 29, 2022	Special Warranty Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2023 · Amount on Record
Deed Sale	Jan 9, 2023 · Amount on Record
Prior Sale	Jun 29, 2022 · Amount on Record
Deed Document Number	20235437
Deed Book / Page	12544 / 1536
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 9, 2023
Property Address	408 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Document Number	0000005437
Book / Page	12544 / 1536
Map Reference	MB 182 PG 39&40
Instrument Date	Dec 16, 2022
Instrument	2023005437
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	HC TITLE LLC, NHC TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1110 SMALL RD, MORRIS CHAPEL, TN 38361-4385

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 RIDERS LOOP, AUBURNDALE, FL 33823-9691

Mortgage

Document Number	0125441538
Date	Jan 9, 2023
Instrument	12544/1538

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 29, 2022
Property Address	408 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Document Number	0000178358
Book / Page	12318 / 1595
Map Reference	MB 182 PG 39&40
Instrument Date	Jun 27, 2022
Instrument	2022178358
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,326.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 RIDERS LOOP, AUBURNDALE, FL 33823-9691

Mortgage

Document Number	0123181597
Date	Jun 29, 2022
Instrument	12318/1597

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,374.00 (-0.82%)	$309,786 (+11.17%) Land $52,000 Building $257,786	$309,786 (+11.17%) Land $52,000 Building $257,786
2024	$4,410.00 (-4.36%)
2023	$4,611.00 (+558.71%)	$278,663 (+563.48%) Land $50,000 Building $228,663	$278,663 (+563.48%) Land $50,000 Building $228,663
2022	$700.00	$42,000 Land $42,000	$42,000 Land $42,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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