1439 Swan Lake Cir, Dundee, FL 33838 Property Records

Polk County property record for 1439 Swan Lake Cir, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,563 sqft · built 2019
Lot Size	0.267 acres (11,626 sqft)
Owner	2 Individual Names on File
Last Sale	$201,900 (Jul 2019)
Tax Bill	$134 (2024)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-27-835826-000510`

Property Details

APN / Parcel Number

Primary APN	`27-28-27-835826-000510`
Alternative APN	`72827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,563 sqft Living Area
Gross Area	2,086 sqft
1st Floor Area	1,563 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	11,626 sqft (0.267 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	419 sqft
Porch	Florida Room
Porch Area	158 sqft

Location & Zoning

Street Address	1439 SWAN LAKE CIR
City	DUNDEE
State	FL
Zip	33838-4376
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RIDGE AT SWAN LAKE PB 146 PG 38-40 LOT 51
Legal Range	27E
Legal Township	28S
Legal Section	27
Legal Subdivision	RIDGE AT SWAN LAKE
Legal Tract	835826
Legal Block	1
Legal Lot Number	51
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1062
Census Tract	14121

Owner

1439 Swan Lake Cir is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1439 SWAN LAKE CIR, DUNDEE, FL 33838-4376
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jul 27, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Jul 10, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage ONETRUST HM LOANS
Dec 19, 2017	Grant Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2019 · Amount on File
Deed Sale	Jul 10, 2019 · Amount on File
Prior Sale	Dec 19, 2017 · Amount on File
Deed Document Number	2019143521
Deed Book / Page	10902 / 1129
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1439 SWAN LAKE CIR, DUNDEE, FL 33838-4376
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1439 SWAN LAKE CIR, DUNDEE, FL 33838-4376

Mortgage

Document Number	0000272516
Date	Nov 20, 2023
Book Page	12913/1220
Instrument	2023272516

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1439 SWAN LAKE CIR, DUNDEE, FL 33838-4376
Document Number	0113630905
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	POWERHOUSE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1439 SWAN LAKE CIR DUNDEE FL 338384376, DUNDEE, FL 33838-4376

Mortgage

Document Number	0113630905
Date	Sep 3, 2020
Book Page	011363/000905
Instrument	183587

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2050

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 10, 2019
Property Address	1439 SWAN LAKE CIR, DUNDEE, FL 33838-4376
Document Number	0109021129
Book / Page	010902 / 001129
Instrument Date	Jun 28, 2019
Instrument	143521
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 25, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,413.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1439 SWAN LAKE CIR DUNDEE FL 338384376, DUNDEE, FL 33838-4376

Mortgage

Document Number	109021130
Date	Jul 10, 2019
Book Page	010902/001130
Instrument	143522

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 19, 2017
Property Address	1439 SWAN LAKE CIR, DUNDEE, FL 33838-4376
Document Number	0103441961
Book / Page	010344 / 001961
Instrument Date	Dec 12, 2017
Instrument	243463
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Tax	$12,264.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1731 OLD BOGGY CREEK RD KISSIMMEE FL 347444426, KISSIMMEE, FL 34744-4426
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$200,513 (+2.7%)	$216,222 (-3.17%) Land $42,000 Building $174,222
2025		$195,241	$223,309 Land $42,000 Building $181,309
2024	$134.00
2023	$134.00 Homeowner's exemption	$184,213 (+3%)	$250,116 (+9.68%) Land $40,000 Building $210,116
2022	$134.00 Homeowner's exemption	$178,848	$228,044 Land $34,000 Building $194,044

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

Flood

FEMA maps place 1439 Swan Lake Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2002.

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (2002–2004)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2004 · Hurricane Frances
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims

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

Wildfire risk around 1439 Swan Lake Cir is moderate, ranking above 53% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% 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	TOWN OF DUNDEE serves 3,824 people · EPA ID FL6530485
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026 Ethylene dibromide resolved · Jan 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Nearby Properties on Swan Lake Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures