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489 Riders Loop, Auburndale, FL 33823 Property Records

Polk County property record for 489 Riders Loop, Auburndale, FL 33823 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,375 sqft · built 2022
Lot Size0.245 acres (10,659 sqft)
Owner2 Individual Names on File
Last Sale$426,400 (Jul 2022)
Tax Bill$6,019 (2025)
Deeds & MortgagesJan 2024 Second Mortgage
Jul 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-27-15-298452-000310

Property Details

APN / Parcel Number

Primary APN25-27-15-298452-000310
Alternative APN
  • 152725298452000310

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,375 sqft Living Area
Gross Area4,053 sqft
1st Floor Area2,820 sqft
Upper Floors Area555 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialOther
Lot Area10,659 sqft (0.245 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area678 sqft
PorchFinished/Open Porch
Porch Area324 sqft

Location & Zoning

Street Address489 RIDERS LOOP
CityAUBURNDALE
StateFL
Zip33823-9691
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJULIANA VILLAGE PHASE 3 PB 182 PGS 39-40 LOT 31
Legal Range25E
Legal Township27S
Legal Section15
Legal SubdivisionJULIANA VILLAGE PHASE 3
Legal Phase3
Legal Block2
Legal Lot Number31
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group2
Census Block2034
Census Tract12408

Owner

Source: Polk County records · APN 25-27-15-298452-000310

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 Record2 Individual Names on File
Mailing Address489 RIDERS LOOP, AUBURNDALE, FL 33823-9691
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 25, 2024Deed of Trust, Mortgage · Stand-Alone Second Mortgage
ROCKET MORTGAGE LLC
Jul 12, 2022Special Warranty Deed, Transfer · Conventional Mortgage
VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 12, 2022 · Amount on Record
Deed SaleJul 12, 2022 · Amount on Record
Deed Document Number2022189352
Deed Book / Page12334 / 1066
Record UpdatedSep 20, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address489 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Transaction TypeMortgage
Record UpdatedFeb 05, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address489 RIDERS LOOP, AUBURNDALE, FL 33823-9691

Mortgage

Document Number0000019141
DateJan 25, 2024
Book Page12984/1292
Instrument2024019141
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term241 Months
DueFeb 01, 2044

July 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateJul 12, 2022
Property Address489 RIDERS LOOP, AUBURNDALE, FL 33823-9691
Document Number0000189352
Book / Page12334 / 1066
Map ReferenceMB 182 PG 39&40
Instrument DateJul 08, 2022
Instrument2022189352
Transaction TypeTransfer
Record UpdatedFeb 05, 2024
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,984.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address489 RIDERS LOOP, AUBURNDALE, FL 33823-9691

Mortgage

Document Number0123341068
DateJul 12, 2022
Instrument12334/1068
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,019.00 (+4.21%) Homeowner's exemption$410,342 (+4.98%) Land $52,000 Building $358,342$410,342 (+2.71%) Land $52,000 Building $358,342
2023$5,776.00 (+725.14%) Homeowner's exemption$390,871 (+830.65%)$399,526 (+851.25%) Land $50,000 Building $349,526
2022$700.00$42,000 Land $42,000$42,000 Land $42,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 16 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA5 of 6
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 386 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 169 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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