Polk County property record for 631 Duncan Cir E, Auburndale, FL 33823
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,208 sqft · built 1975 |
| Lot Size | 0.174 acres (7,575 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $34,100 (Oct 2023) |
| Tax Bill | $809 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-28-09-321320-001090 |
| Primary APN | 25-28-09-321320-001090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,208 sqft Living Area |
| 1st Floor Area | 999 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,575 sqft (0.174 acres) |
| Lot Dimensions | 101 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Porch | Florida Room |
| Porch Area | 281 sqft |
| Utility Building | 88 sqft |
| Cooling System | Central |
|---|
| Street Address | 631 DUNCAN CIR E |
|---|---|
| City | AUBURNDALE |
| State | FL |
| Zip | 33823-9708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | GROVE ESTATES SECOND ADDITION PB 63 PG 18 BLK 1 LOT 9 |
| Legal Range | 25E |
| Legal Township | 28S |
| Legal Section | 09 |
| Legal Subdivision | GROVE ESTATES 2ND ADDITION |
| Legal Tract | 321320 |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11604 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 631 DUNCAN CIR E, AUBURNDALE, FL 33823-9708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Oct 3, 2023 | Quit Claim Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2023 · Amount on Record |
| Deed Sale | Oct 3, 2023 · Amount on Record |
| Prior Sale | May 7, 2010 · Amount on Record |
| Deed Document Number | 2023231734 |
| Deed Book / Page | 12857 / 1311 |
| Prior Transfer Date | Sep 18, 2023 |
| Prior Transfer Doc | 0000231734 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 631 DUNCAN CIR E, AUBURNDALE, FL 33823-9708 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Name | Verified Name |
|---|---|
| Address | 631 DUNCAN CIR E, AUBURNDALE, FL 33823-9708 |
| Document Number | 0000260699 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 13764/1783 |
| Instrument | 2025260699 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 3, 2023 |
| Property Address | 631 DUNCAN CIR E, AUBURNDALE, FL 33823-9708 |
| Document Number | 0000231734 |
| Book / Page | 12857 / 1311 |
| Map Reference | MB 63 PG 18 |
| Instrument Date | Sep 18, 2023 |
| Instrument | 2023231734 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $238.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 631 DUNCAN CIR E, AUBURNDALE, FL 33823-9708 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 631 DUNCAN CIR E, AUBURNDALE, FL 33823-9708 |
| Document Number | 0128571314 |
|---|---|
| Date | Oct 3, 2023 |
| Instrument | 12857/1314 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2043 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $105,563 (+2.7%) | $152,437 (-1.4%) Land $16,000 Building $136,437 | |
| 2025 | $809.00 (-33.36%) Homeowner's exemption | $102,788 (+5.44%) | $154,609 (-2.4%) Land $16,000 Building $138,609 |
| 2023 | $1,214.00 (+8.3%) Homeowner's exemption | $97,489 (+9.84%) | $158,418 (+11.55%) Land $15,500 Building $142,918 |
| 2022 | $1,121.00 Homeowner's exemption | $88,756 | $142,017 Land $13,000 Building $129,017 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 136 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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