Polk County property record for 409 Riders Loop, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,234 sqft · built 2022 |
| Lot Size | 0.239 acres (10,428 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Apr 2024) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-27-15-298452-000470 |
| Primary APN | 25-27-15-298452-000470 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,234 sqft Living Area |
| Gross Area | 3,091 sqft |
| 1st Floor Area | 2,234 sqft |
| 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 | 10,428 sqft (0.239 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 647 sqft |
| Porch | Florida Room |
| Porch Area | 204 sqft |
| Street Address | 409 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 47 |
| Legal Range | 25E |
| Legal Township | 27S |
| Legal Section | 15 |
| Legal Subdivision | JULIANA VILLAGE PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 47 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 12408 |
Source: Polk County assessment roll, 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 File |
|---|---|
| Mailing Address | 632 COTSWOLD CIR, DAVENPORT, FL 33837-8891 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 4, 2024 | Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC |
| Sep 8, 2022 | Special Warranty Deed, Transfer · VA Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 4, 2024 · Amount on Record |
| Deed Sale | Apr 4, 2024 · Amount on Record |
| Prior Sale | Sep 8, 2022 · Amount on Record |
| Deed Document Number | 202477035 |
| Deed Book / Page | 13065 / 543 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 4, 2024 |
| Property Address | 409 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| Document Number | 0000077035 |
| Book / Page | 13065 / 543 |
| Map Reference | MB 182 PG 39&40 |
| Instrument Date | Mar 28, 2024 |
| Instrument | 2024077035 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2024 |
| Title Company | CONCIERGE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3068 S LISBON WAY, AURORA, CO 80013-9059 |
| Name | Verified Name |
|---|---|
| Address | 632 COTSWOLD CIR, DAVENPORT, FL 33837-8891 |
| Document Number | 0013065545 |
|---|---|
| Date | Apr 4, 2024 |
| Instrument | 13065/545 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 8, 2022 |
| Property Address | 409 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| Document Number | 0000243286 |
| Book / Page | 12410 / 205 |
| Map Reference | MB 182 PG 39&40 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 2022243286 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,762.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 409 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| Document Number | 0012410207 |
|---|---|
| Date | Sep 8, 2022 |
| Instrument | 12410/207 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
Source: Polk County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $137,583 (-56.42%) | $348,287 (+10.33%) Land $52,000 Building $296,287 | |
| 2023 | Homeowner's exemption | $315,672 Land $50,000 Building $265,672 | $315,672 Land $50,000 Building $265,672 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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 |
|
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 | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 25 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 |
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