Polk County property record for 488 Opal Ave, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,203 sqft · built 2006 |
| Lot Size | 0.286 acres (12,467 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $246,000 (Sep 2018) |
| Tax Bill | $2,737 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-27-35-305252-001510 |
| Primary APN | 25-27-35-305252-001510 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,203 sqft Living Area |
| Gross Area | 2,707 sqft |
| 1st Floor Area | 2,203 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 12,467 sqft (0.286 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 268 sqft |
| Street Address | 488 OPAL AVE |
|---|---|
| City | AUBURNDALE |
| State | FL |
| Zip | 33823-8706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ESTATES OF AUBURNDALE PHASE 2 PB 136 PGS 6 THRU 11 LOT 151 |
| Legal Range | 25E |
| Legal Township | 27S |
| Legal Section | 35 |
| Legal Subdivision | ESTATES OF AUBURNDALE PHASE 2 |
| Legal Phase | 2 |
| Legal Tract | 305252 |
| Legal Block | 1 |
| Legal Lot Number | 151 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 13001 |
488 Opal Ave is owned and occupied by two individuals who bought it in September 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 488 OPAL AVE, AUBURNDALE, FL 33823-8706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Sep 4, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2018 · Amount on File |
| Deed Sale | Sep 4, 2018 · Amount on File |
| Prior Sale | Aug 5, 2011 · Amount on File |
| Deed Document Number | 2018188059 |
| Deed Book / Page | 10601 / 1995 |
| Prior Transfer Date | Oct 5, 2009 |
| Prior Transfer Doc | 0000007897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 488 OPAL AVE, AUBURNDALE, FL 33823-8706 |
| Document Number | 0110980443 |
| Instrument Date | Dec 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 488 OPAL AVE AUBURNDALE FL 338238706, AUBURNDALE, FL 33823-8706 |
| Document Number | 0110980443 |
|---|---|
| Date | Jan 6, 2020 |
| Book Page | 011098/000443 |
| Instrument | 3052 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 5, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 4, 2018 |
| Property Address | 488 OPAL AVE, AUBURNDALE, FL 33823-8706 |
| Document Number | 0106011995 |
| Book / Page | 010601 / 001995 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 188059 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2018 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,722.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 488 OPAL AVE AUBURNDALE FL 338238706, AUBURNDALE, FL 33823-8706 |
| Document Number | 106011997 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 010601/001997 |
| Instrument | 188060 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 3, 2048 |
The 2025 property tax bill for 488 Opal Ave was $2,737 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Auburndale City |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $215,411 (+2.7%) | $304,908 (-3.09%) Land $66,000 Building $238,908 | |
| 2025 | $2,737.00 Homeowner's exemption | $209,748 | $314,637 Land $66,000 Building $248,637 |
| 2023 | $2,582.00 (+2.87%) Homeowner's exemption | $197,900 (+3%) | $327,332 (+12.38%) Land $64,000 Building $263,332 |
| 2022 | $2,510.00 Homeowner's exemption | $192,136 | $291,273 Land $53,000 Building $238,273 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 488 Opal Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.
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 File median of 16 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2001 · tidal / storm surge |
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 risk around 488 Opal Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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