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656 Duncan Cir E, Auburndale, FL 33823 Property Records

Polk County property record for 656 Duncan Cir E, Auburndale, FL 33823 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,976 sqft · built 1976
Lot Size0.172 acres (7,501 sqft)
OwnerIndividual Name on File
Last Sale$92,000 (Mar 2014)
Tax Bill$461 (2025)
Deeds & MortgagesSep 2018 Loan Modification
Sep 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN25-28-09-321320-002040

Property Details

APN / Parcel Number

Primary APN25-28-09-321320-002040
Alternative APNs
  • 092825321320002040
  • 92825000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,976 sqft Living Area
Gross Area1,160 sqft
1st Floor Area960 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Exterior MaterialAluminum/Vinyl
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area7,501 sqft (0.172 acres)
Lot Dimensions100 ft deep x 75 ft wide
View / LotCommercial/Industrial

Exterior Amenities

PorchFlorida Room
Porch Area285 sqft
Patio Area80 sqft
Shed1 Shed
Utility Building90 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address656 DUNCAN CIR E
CityAUBURNDALE
StateFL
Zip33823-9713
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGROVE ESTATES SECOND ADDITION PB 63 PG 18 BLK 2 LOT 4
Legal Range25E
Legal Township28S
Legal Section09
Legal SubdivisionGROVE ESTATES 2ND ADDITION
Legal Tract321320
Legal Block2
Legal Lot Number4
JurisdictionPOLK FL
Township / Civil DivisionLAKELAND
Census Block Group1
Census Block1003
Census Tract11604

Owner

Source: Polk County records · APN 25-28-09-321320-002040

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 RecordIndividual Name on File
Mailing Address656 DUNCAN CIR E, AUBURNDALE, FL 33823-9713
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 21, 2018Loan Modification, Mortgage · FHA Mortgage
LAKEVIEW LN SERVICING
Sep 21, 2018Deed of Trust, Mortgage · Conventional Mortgage
SECRETARY/HSNG & URBAN DEV

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 25, 2014 · Amount on Record
Deed SaleMar 25, 2014 · Amount on Record
Prior SaleOct 17, 2013 · Amount on Record
Deed Document Number201451260
Deed Book / Page9207 / 331
Transfer Doc4350001039
Record UpdatedSep 20, 2026

September 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address656 DUNCAN CIR E, AUBURNDALE, FL 33823-9713
Document Number0106261096
Instrument DateSep 21, 2018
Transaction TypeMortgage
Record UpdatedNov 22, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address656 DUNCAN CIR E AUBURNDALE FL 338239713, AUBURNDALE, FL 33823-9713

Mortgage

Document Number0106261096
DateSep 28, 2018
Book Page010626/001096
Instrument206107
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressCORAL GABLES, FL 33146
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 27, 2048
Interest
Rate TypeFixed Rate
Rate4.75%

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address656 DUNCAN CIR E, AUBURNDALE, FL 33823-9713
Document Number0106261102
Instrument DateSep 21, 2018
Transaction TypeMortgage
Record UpdatedNov 22, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address656 DUNCAN CIR E AUBURNDALE FL 338239713, AUBURNDALE, FL 33823-9713

Mortgage

Document Number0106261102
DateSep 28, 2018
Book Page010626/001102
Instrument206108
Lender
NameSECRETARY/HSNG & URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 27, 2048

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

YearTax BillAssessed ValueAssessed Market Value
2025$461.00 (-48.14%) Homeowner's exemption$80,897 (+5.99%)$231,287 (-0.14%) Land $16,000 Building $215,287
2023$889.00 (-1.44%) Homeowner's exemption$76,327 (+3%)$231,614 (+22.29%) Land $15,500 Building $216,114
2022$902.00 Homeowner's exemption$74,104$189,395 Land $13,000 Building $176,395

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

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

Mobile Coverage

5G and 4G LTE

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