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445 Riders Loop, Auburndale, FL 33823 Property Records

Polk County property record for 445 Riders Loop, Auburndale, FL 33823 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,571 sqft · built 2022
Lot Size0.239 acres (10,406 sqft)
Owner2 Individual Names on File
Last Sale$376,000 (Jul 2022)
Tax Bill$4,947 (2025)
Deeds & MortgagesJul 2022 Mortgage
Jan 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN25-27-15-298452-000200

Property Details

APN / Parcel Number

Primary APN25-27-15-298452-000200
Alternative APN
  • 152725298452000200

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,571 sqft Living Area
Gross Area3,207 sqft
1st Floor Area2,571 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area10,406 sqft (0.239 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area636 sqft
PorchFinished/Open Porch
Porch Area312 sqft

Location & Zoning

Street Address445 RIDERS LOOP
CityAUBURNDALE
StateFL
Zip33823-9691
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJULIANA VILLAGE PHASE 3 PB 182 PGS 39-40 LOT 20
Legal Range25E
Legal Township27S
Legal Section15
Legal SubdivisionJULIANA VILLAGE PHASE 3
Legal Phase3
Legal Block2
Legal Lot Number20
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group2
Census Block2034
Census Tract12408

Owner

Source: Polk County records · APN 25-27-15-298452-000200

Assessment roll updated June 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address445 RIDERS LOOP, AUBURNDALE, FL 33823-9691
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2022Deed of Trust, Mortgage · FHA Mortgage
VANDERBILT MORTGAGE & FINANCE INC
Jan 05, 2024Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 21, 2022 · Amount on Record
Deed SaleJul 21, 2022 · Amount on Record
Deed Document Number2022198625
Deed Book / Page12347 / 856
Record UpdatedSep 20, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address445 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Transaction TypeMortgage
Record UpdatedFeb 05, 2024
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address5310 RAPTOR PL 207, 207, LAKELAND, FL 33812-6387

Mortgage

Document Number0000198626
DateJul 21, 2022
Book Page12347/858
Instrument2022198626
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
AddressATLANTA, GA 30361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address445 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Transaction TypeMortgage
Record UpdatedFeb 05, 2024
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 RIDERS LOOP, AUBURNDALE, FL 33823-9691

Mortgage

Document Number0000003278
DateJan 05, 2024
Book Page12963/1693
Instrument2024003278
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term343 Months
DueAug 01, 2052

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,947.00 (-11.26%) Homeowner's exemption$344,858 (+2.36%) Land $52,000 Building $292,858$344,858 (+2.36%) Land $52,000 Building $292,858
2023$5,575.00 (+696.43%)$336,914 (+702.18%) Land $50,000 Building $286,914$336,914 (+702.18%) Land $50,000 Building $286,914
2022$700.00$42,000 Land $42,000$42,000 Land $42,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050124082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 16 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA5 of 6
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 386 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 169 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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