457 Riders Loop, Auburndale, FL 33823 Property Records

Polk County property record for 457 Riders Loop, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,549 sqft · built 2021
Lot Size	0.338 acres (14,741 sqft)
Owner	Individual Name on Record
Last Sale	$346,900 (Feb 2022)
Deeds & Mortgages	Aug 2023 Second Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-27-15-298452-000230`

Property Details

APN / Parcel Number

Primary APN	`25-27-15-298452-000230`
Alternative APN	`152725298452000230`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,549 sqft Living Area
Gross Area	3,313 sqft
1st Floor Area	2,549 sqft
Flooring	Wood

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	14,741 sqft (0.338 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	764 sqft
Porch	Finished/Open Porch
Porch Area	416 sqft

Location & Zoning

Street Address	457 RIDERS LOOP
City	AUBURNDALE
State	FL
Zip	33823-9691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JULIANA VILLAGE PHASE 3 PB 182 PGS 39-40 LOT 23
Legal Range	25E
Legal Township	27S
Legal Section	15
Legal Subdivision	JULIANA VILLAGE PHASE 3
Legal Phase	3
Legal Block	2
Legal Lot Number	23
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2034
Census Tract	12408

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	457 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Feb 22, 2022	Special Warranty Deed, Transfer · VA Mortgage HOME SOLUTION LENDERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2022 · Amount on Record
Deed Sale	Feb 22, 2022 · Amount on Record
Deed Document Number	202247823
Deed Book / Page	12127 / 1655
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	457 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 RIDERS LOOP, AUBURNDALE, FL 33823-9691

Mortgage

Document Number	0000201979
Date	Aug 28, 2023
Book Page	12816/496
Instrument	2023201979

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2038

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 22, 2022
Property Address	457 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Document Number	0000047823
Book / Page	12127 / 1655
Map Reference	MB 182 PG 39&40
Instrument Date	Feb 15, 2022
Instrument	2022047823
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,428.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 RIDERS LOOP, AUBURNDALE, FL 33823-9691

Mortgage

Document Number	0121271657
Date	Feb 22, 2022
Instrument	12127/1657

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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		$364,590 (+2.18%) Land $52,000 Building $312,590	$364,590 (+2.18%) Land $52,000 Building $312,590
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$356,807 (+2.48%) Land $52,000 Building $304,807	$356,807 (+2.48%) Land $52,000 Building $304,807
2023	Homeowner's exemption	$348,185 Land $50,000 Building $298,185	$348,185 Land $50,000 Building $298,185

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 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	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.3% 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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