478 Riders Loop, Auburndale, FL 33823 Property Records

Polk County property record for 478 Riders Loop, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,987 sqft · built 2022
Lot Size	0.252 acres (10,990 sqft)
Owner	2 Individual Names on File
Last Sale	$414,400 (May 2022)
Tax Bill	$4,531 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-27-15-298452-000340`

Property Details

APN / Parcel Number

Primary APN	`25-27-15-298452-000340`
Alternative APN	`152725298452000340`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,987 sqft Living Area
Gross Area	3,623 sqft
1st Floor Area	2,571 sqft
Upper Floors Area	416 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,990 sqft (0.252 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	636 sqft
Porch	Finished/Open Porch
Porch Area	312 sqft

Location & Zoning

Street Address	478 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 34
Legal Range	25E
Legal Township	27S
Legal Section	15
Legal Subdivision	JULIANA VILLAGE PHASE 3
Legal Phase	3
Legal Block	2
Legal Lot Number	34
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2034
Census Tract	12408

Owner

Source: Polk County records · APN 25-27-15-298452-000340

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 Record	2 Individual Names on File
Mailing Address	478 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 19, 2022 · Amount on Record
Deed Sale	May 19, 2022 · Amount on Record
Deed Document Number	2022136931
Deed Book / Page	12260 / 580
Record Updated	Sep 20, 2026

May 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 19, 2022
Property Address	478 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Document Number	0000136931
Book / Page	12260 / 580
Map Reference	MB 182 PG 39&40
Instrument Date	May 17, 2022
Instrument	2022136931
Transaction Type	Transfer
Record Updated	Feb 05, 2024
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,900.80
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	478 RIDERS LOOP, AUBURNDALE, FL 33823-9691

Mortgage

Document Number	0012260582
Date	May 19, 2022
Instrument	12260/582

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,531.00 (+5.52%) Homeowner's exemption	$319,372 (+5.99%)	$376,319 (+2.66%) Land $52,000 Building $324,319
2023	$4,294.00 (+513.43%) Homeowner's exemption	$301,331 (+617.45%)	$366,565 (+772.77%) Land $50,000 Building $316,565
2022	$700.00	$42,000 Land $42,000	$42,000 Land $42,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 as of December 31, 2025 · Last verified October 2026

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

May also be available: Frontier.

Based on FCC filings for 169 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF AUBURNDALE serves 35,239 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.