Polk County property record for 435 Quercus Rd, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,656 sqft · built 2024 |
| Lot Size | 0.11 acres (4,783 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,195 (2025) |
| Deeds & Mortgages | Jul 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-05-319502-000340 |
| Primary APN | 25-28-05-319502-000340 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 2,076 sqft |
| 1st Floor Area | 1,656 sqft |
| Year Built | Built 2024 |
|---|---|
| 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 | 420 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 32 sqft |
| Street Address | 435 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 34 |
| Legal Subdivision | HICKORY RANCH |
| Legal Block | 1 |
| Legal Lot Number | 34 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 11606 |
435 Quercus Rd is owned and occupied by two individuals who acquired it in July 2024.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 435 QUERCUS RD, AUBURNDALE, FL 33823-9824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2024 |
| Deed Sale | Jul 24, 2024 |
| Deed Document Number | 2024170151 |
| Deed Book / Page | 13201 / 2052 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 24, 2024 |
| Property Address | 435 QUERCUS RD, AUBURNDALE, FL 33823-9824 |
| Document Number | 0000170151 |
| Book / Page | 13201 / 2052 |
| Map Reference | MB 195 PG 40 |
| Instrument Date | Jul 16, 2024 |
| Instrument | 2024170151 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,177.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626 |
| Name | Verified Name |
|---|---|
| Address | 435 QUERCUS RD, AUBURNDALE, FL 33823-9824 |
| Document Number | 0132012054 |
|---|---|
| Date | Jul 24, 2024 |
| Instrument | 13201/2054 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 5.87% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 5% |
The 2025 property tax bill for 435 Quercus Rd was $3,195.
Source: Polk County assessment roll, as of September 28, 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 |
|---|---|---|---|
| 2026 | $243,567 (-1.44%) Land $42,000 Building $201,567 | $243,567 (-1.44%) Land $42,000 Building $201,567 | |
| 2025 | $3,195.00 | $247,138 Land $42,000 Building $205,138 | $247,138 Land $42,000 Building $205,138 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 Quercus Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 |
|
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 435 Quercus Rd is high, ranking above 83% of the US, with a 0.6% annual chance of 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.
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 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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