431 Raymond Ave, Frostproof, FL 33843 Property Records

Polk County property record for 431 Raymond Ave, Frostproof, FL 33843

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,191 sqft · built 1961
Lot Size	0.193 acres (8,394 sqft)
Owner	Individual Name on Record
Last Sale	$38,000 (May 2001)
Tax Bill	$89 (2025)
Deeds & Mortgages	Aug 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28-32-07-985800-008060`

Property Details

APN / Parcel Number

Primary APN	`28-32-07-985800-008060`
Alternative APNs	`073228985800008060` `73228000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,191 sqft Living Area
1st Floor Area	939 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	8,394 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	378 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	431 RAYMOND AVE
City	FROSTPROOF
State	FL
Zip	33843-9432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	XX
Legal Description	SUN RAY HOMES PLAT NO 2 PB 44 PG 26 BLK 8 LOT 6
Legal Range	28E
Legal Township	32S
Legal Section	07
Legal Subdivision	SUN RAY HOMES PLAT NO 2
Legal Tract	985800
Legal Block	8
Legal Lot Number	6
Jurisdiction	POLK FL
Township / Civil Division	FROSTPROOF
Census Block Group	2
Census Block	2038
Census Tract	15801

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	Individual Name on Record
Mailing Address	431 RAYMOND AVE, FROSTPROOF, FL 33843-9432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2001 · Amount on Record
Deed Sale	May 25, 2001 · Amount on Record
Deed Book / Page	4710 / 651
Last Transfer Date	Aug 1, 2017
Transfer Doc	0000148336
Record Updated	Oct 29, 2026

August 2017: Warranty Deed, Mortgage

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 3, 2017
Property Address	431 RAYMOND AVE, FROSTPROOF, FL 33843-9432
Document Number	0102231193
Book / Page	010223 / 001193
Instrument Date	Aug 1, 2017
Instrument	148336
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2535 44TH ST S ST PETERSBURG FL 337113429, ST PETERSBURG, FL 33711-3429

Mortgage

Document Number	102231195
Date	Aug 3, 2017
Book Page	010223/001195
Instrument	148337

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$130,973 (+216.65%) Land $21,000 Building $109,973	$130,973 (+0.34%) Land $21,000 Building $109,973
2025	$89.00 (-85.76%) Homeowner's exemption Senior Citizen's exemption	$41,362 (+5.99%)	$130,526 (+5.68%) Land $21,000 Building $109,526
2023	$625.00 (+8.7%) Homeowner's exemption	$39,025 (+3%)	$123,510 (+19.55%) Land $13,500 Building $110,010
2022	$575.00 Homeowner's exemption	$37,888	$103,312 Land $7,700 Building $95,612

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Oct 2005 · Hurricane Wilma

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 67% of the US · above 47% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20