Polk County property record for 481 Riders Loop, Auburndale, FL 33823 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,990 sqft · built 2022 |
| Lot Size | 0.245 acres (10,668 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (May 2024) |
| Tax Bill | $4,462 (2025) |
| Deeds & Mortgages | May 2024 Sale & Mortgage Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-27-15-298452-000290 |
| Primary APN | 25-27-15-298452-000290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,990 sqft Living Area |
| Gross Area | 2,704 sqft |
| 1st Floor Area | 1,990 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,668 sqft (0.245 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Porch | Florida Room |
| Porch Area | 28 sqft |
| Street Address | 481 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 29 |
| Legal Range | 25E |
| Legal Township | 27S |
| Legal Section | 15 |
| Legal Subdivision | JULIANA VILLAGE PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 29 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 12408 |
Source: Polk County records · APN 25-27-15-298452-000290
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 | 481 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 10, 2024 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Apr 25, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 10, 2024 · Amount on Record |
| Deed Sale | May 10, 2024 · Amount on Record |
| Prior Sale | Apr 25, 2022 · Amount on Record |
| Deed Document Number | 2024109841 |
| Deed Book / Page | 13112 / 2124 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 10, 2024 |
| Property Address | 481 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| Document Number | 0000109841 |
| Book / Page | 13112 / 2124 |
| Map Reference | MB 182 PG 39 |
| Instrument Date | May 08, 2024 |
| Instrument | 2024109841 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Title Company | TURNER TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 795 IRONWOOD FLATS CIR # CIR105, CIR105, BRANDON, FL 33511-6389 |
| Name | Verified Name |
|---|---|
| Address | 481 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| Document Number | 0131122126 |
|---|---|
| Date | May 10, 2024 |
| Instrument | 13112/2126 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Jun 01, 2029 |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 7.62% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.6% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 25, 2022 |
| Property Address | 481 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| Document Number | 0000111493 |
| Book / Page | 12223 / 1809 |
| Map Reference | MB 182 PG 39&40 |
| Instrument Date | Apr 21, 2022 |
| Instrument | 2022111493 |
| Transaction Type | Transfer |
| Record Updated | Feb 05, 2024 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,322.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 481 RIDERS LOOP, AUBURNDALE, FL 33823-9691 |
| Document Number | 0122231811 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 12223/1811 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
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 | $4,462.00 (+16.96%) Homeowner's exemption | $315,191 (+15.72%) | $332,165 (+18.32%) Land $52,000 Building $280,165 |
| 2023 | $3,815.00 (+445%) Homeowner's exemption | $272,367 (+548.49%) | $280,729 (+568.4%) Land $50,000 Building $230,729 |
| 2022 | $700.00 | $42,000 Land $42,000 | $42,000 Land $42,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 16 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force 14 of 16 on primary residences |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Oct 2024, rainfall accumulation, Hurricane Milton |
| Flood Events |
|
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 386 per year |
| 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.
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