644 Duncan Cir E, Auburndale, FL 33823 Property Records

Polk County property record for 644 Duncan Cir E, Auburndale, FL 33823 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,208 sqft · built 1975
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$77,000 (Sep 2020)
Tax Bill	$1,103 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-09-321320-002060`

Property Details

APN / Parcel Number

Primary APN	`25-28-09-321320-002060`
Alternative APNs	`092825321320002060` `92825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,208 sqft Living Area
1st Floor Area	999 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
View / Lot	Commercial/Industrial

Exterior Amenities

Porch	Florida Room
Porch Area	281 sqft
Shed	1 Shed
Utility Building	88 sqft

Location & Zoning

Street Address	644 DUNCAN CIR E
City	AUBURNDALE
State	FL
Zip	33823-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROVE ESTATES SECOND ADDITION PB 63 PG 18 BLK 2 LOT 6
Legal Range	25E
Legal Township	28S
Legal Section	09
Legal Subdivision	GROVE ESTATES 2ND ADDITION
Legal Tract	321320
Legal Block	2
Legal Lot Number	6
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1003
Census Tract	11604

Owner

Source: Polk County records · APN 25-28-09-321320-002060

Assessment roll updated July 23, 2026 · Last verified August 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	644 DUNCAN CIR E, AUBURNDALE, FL 33823-9713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 10, 2020 · Amount on Record
Deed Sale	Sep 10, 2020 · Amount on Record
Deed Document Number	2020188686
Deed Book / Page	11371 / 515
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 10, 2020
Property Address	644 DUNCAN CIR E, AUBURNDALE, FL 33823-9713
Document Number	0113710515
Book / Page	011371 / 000515
Instrument Date	Sep 08, 2020
Instrument	188686
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	MIDFLORIDA TITLE PROFESSIONALS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$539.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	644 DUNCAN CIR E AUBURNDALE FL 338239713, AUBURNDALE, FL 33823-9713

Mortgage

Document Number	113710517
Date	Sep 10, 2020
Book Page	011371/000517
Instrument	188687

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 09, 2040

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,103.00 (-26.81%) Homeowner's exemption	$125,522 (+5.99%)	$156,609 (-2.37%) Land $16,000 Building $140,609
2023	$1,507.00 (+4.29%) Homeowner's exemption	$118,431 (+3%)	$160,418 (+11.39%) Land $15,500 Building $144,918
2022	$1,445.00 Homeowner's exemption	$114,982	$144,017 Land $13,000 Building $131,017

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 121050116041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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 136 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.