45 Moss Rd E, Auburndale, FL 33823 Property Records

Polk County property record for 45 Moss Rd E, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 1970
Lot Size	2.95 acres (128,537 sqft)
Owner	2 Individual Names on Record
Tax Bill	$288 (2025)
Deeds & Mortgages	Jul 2023 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`25-28-04-313000-009303`

Property Details

APN / Parcel Number

Primary APN	`25-28-04-313000-009303`
Alternative APNs	`042825313000009303` `42825000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	128,537 sqft
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Porch	Unfinished Open Porch
Porch Area	36 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	45 MOSS RD E
City	AUBURNDALE
State	FL
Zip	33823-2407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LAKESIDE PARK PB 3 PG 20 LOT 93 W 658 FT LESS N 133.21 FT & LESS RD R/W
Legal Range	25E
Legal Township	28S
Legal Section	04
Legal Subdivision	AUBURNDALE LAKESIDE PARK
Legal Tract	313000
Legal Block	3
Legal Lot Number	93
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	3
Census Block	3031
Census Tract	11604

Owner

Source: Polk County records, as of July 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 Record
Mailing Address	45 MOSS RD E, AUBURNDALE, FL 33823-2407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 16, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FIN'L RSRCS
Sep 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 6, 2023
Transfer Doc	0000160609
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jul 11, 2023
Property Address	45 MOSS RD E, AUBURNDALE, FL 33823-2407
Document Number	0000160609
Book / Page	12758 / 478
Map Reference	MB 3 PG 20
Instrument Date	Jul 6, 2023
Instrument	2023160609
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 MOSS RD E, AUBURNDALE, FL 33823-2407

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1327 SPEAKER DR, AUBURNDALE, FL 33823-2130

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	45 MOSS RD E, AUBURNDALE, FL 33823-2407
Document Number	0113940672
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 MOSS RD E AUBURNDALE FL 338232407, AUBURNDALE, FL 33823-2407

Mortgage

Document Number	0113940672
Date	Sep 30, 2020
Book Page	011394/000672
Instrument	204308

Lender

Name	AMERICAN FIN'L RSRCS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Sep 20, 2019
Property Address	45 MOSS RD E, AUBURNDALE, FL 33823-2407
Document Number	0109800215
Book / Page	010980 / 000215
Instrument Date	Sep 19, 2019
Instrument	199645
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 MOSS RD AUBURNDALE FL 338232407, AUBURNDALE, FL 33823-2407

Tax Assessment & Valuation

Source: Polk County assessment roll, as of July 23, 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
2025	$288.00 (-76.92%) Homeowner's exemption	$72,335 (+2.62%)	$271,283 (-3.47%) Land $56,482 Building $214,801
2023	$1,248.00 (+7.22%) Homeowner's exemption	$70,491 (+7.15%)	$281,032 (+62.3%) Land $55,026 Building $226,006
2022	$1,164.00 Homeowner's exemption	$65,788	$173,159 Land $23,978 Building $149,181

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1997–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2004 · Hurricane Frances

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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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