645 Duncan Cir W, Auburndale, FL 33823 Property Records

Polk County property record for 645 Duncan Cir W, Auburndale, FL 33823

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,115 sqft · built 1976
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on File
Last Sale	$76,000 (May 2009)
Tax Bill	$349 (2025)
Deeds & Mortgages	Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-09-321320-002210`

Property Details

APN / Parcel Number

Primary APN	`25-28-09-321320-002210`
Alternative APNs	`092825321320002210` `92825000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,115 sqft Living Area
1st Floor Area	950 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
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

Pool Area	352 sqft
Porch	Florida Room
Porch Area	373 sqft
Patio Area	132 sqft
Shed	1 Shed
Utility Building	110 sqft

Location & Zoning

Street Address	645 DUNCAN CIR W
City	AUBURNDALE
State	FL
Zip	33823-9711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	GROVE ESTATES SECOND ADDITION PB 63 PG 18 BLK 2 LOT 21
Legal Range	25E
Legal Township	28S
Legal Section	09
Legal Subdivision	GROVE ESTATES 2ND ADDITION
Legal Tract	321320
Legal Block	2
Legal Lot Number	21
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1003
Census Tract	11604

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	645 DUNCAN CIR W, AUBURNDALE, FL 33823-9711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2009 · Amount on File
Deed Sale	May 19, 2009 · Amount on File
Prior Sale	Jun 16, 2008
Deed Document Number	200994118
Deed Book / Page	7887 / 1927
Prior Transfer Date	Jun 3, 2008
Prior Transfer Doc	0000102400
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	645 DUNCAN CIR W, AUBURNDALE, FL 33823-9711
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 DUNCAN CIR N, AUBURNDALE, FL 33823

Mortgage

Document Number	0000057922
Date	Mar 13, 2023
Book Page	12613/161
Instrument	2023057922

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$56,420 (+2.7%)	$173,729 (+4.2%) Land $16,000 Building $157,729
2025	$349.00 (-57.8%) Homeowner's exemption	$54,937 (+5.99%)	$166,720 (-1.21%) Land $16,000 Building $150,720
2023	$827.00 (+4.42%) Homeowner's exemption	$51,834 (+3%)	$168,754 (+10.13%) Land $15,500 Building $153,254
2022	$792.00 Homeowner's exemption	$50,324	$153,225 Land $13,000 Building $140,225

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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