431 Quercus Rd, Auburndale, FL 33823 Property Records

Polk County property record for 431 Quercus Rd, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,491 sqft · built 2023
Lot Size	0.11 acres (4,783 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,470 (Oct 2023)
Tax Bill	$3,089 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-05-319502-000350`

Property Details

APN / Parcel Number

Primary APN	`25-28-05-319502-000350`
Alternative APN	`052825319502000350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,491 sqft Living Area
Gross Area	1,932 sqft
1st Floor Area	1,491 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	4,783 sqft (0.11 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	138 sqft

Location & Zoning

Street Address	431 QUERCUS RD
City	AUBURNDALE
State	FL
Zip	33823-9824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HICKORY RANCH PB 195 PGS 40-41 LOT 35
Legal Subdivision	HICKORY RANCH
Legal Block	1
Legal Lot Number	35
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1042
Census Tract	11606

Owner

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	431 QUERCUS RD, AUBURNDALE, FL 33823-9824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2023 · Amount on Record
Deed Sale	Oct 20, 2023 · Amount on Record
Deed Document Number	2023249456
Deed Book / Page	12882 / 1211
Record Updated	Oct 29, 2026

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 20, 2023
Property Address	431 QUERCUS RD, AUBURNDALE, FL 33823-9824
Document Number	0000249456
Book / Page	12882 / 1211
Map Reference	MB 195 PG 40
Instrument Date	Oct 18, 2023
Instrument	2023249456
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,187.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 QUERCUS RD, AUBURNDALE, FL 33823-9824

Mortgage

Document Number	0128821213
Date	Oct 20, 2023
Instrument	12882/1213

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 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
2026		$235,707 (-1.38%) Land $42,000 Building $193,707	$235,707 (-1.38%) Land $42,000 Building $193,707
2025	$3,089.00 (+322.57%)	$238,994 (+497.49%) Land $42,000 Building $196,994	$238,994 (+497.49%) Land $42,000 Building $196,994
2023	$731.00	$40,000 Land $40,000	$40,000 Land $40,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	5 (2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 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	High above 83% of the US · above 74% of Florida
Wildfire Likelihood	0.6% 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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