1539 Swan Lake Cir, Dundee, FL 33838 Property Records

Polk County property record for 1539 Swan Lake Cir, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,563 sqft · built 2018
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$198,900 (Mar 2019)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`27-28-27-835826-000270`

Property Details

APN / Parcel Number

Primary APN	`27-28-27-835826-000270`
Alternative APN	`72827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,563 sqft Living Area
Gross Area	1,982 sqft
1st Floor Area	1,563 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	7,501 sqft (0.172 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	419 sqft
Porch	Unfinished Open Porch
Porch Area	158 sqft

Location & Zoning

Street Address	1539 SWAN LAKE CIR
City	DUNDEE
State	FL
Zip	33838-4379
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RIDGE AT SWAN LAKE PB 146 PG 38-40 LOT 27
Legal Range	27E
Legal Township	28S
Legal Section	27
Legal Subdivision	RIDGE AT SWAN LAKE
Legal Tract	835826
Legal Block	1
Legal Lot Number	27
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1062
Census Tract	14121

Owner

1539 Swan Lake Cir is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1539 SWAN LAKE CIR, DUNDEE, FL 33838-4379
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Mar 7, 2019	Grant Deed, Subdivision Related Transfer ONETRUST HM LOANS
Dec 19, 2017	Grant Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2019 · Amount on File
Deed Sale	Mar 7, 2019 · Amount on File
Prior Sale	Dec 19, 2017 · Amount on File
Deed Document Number	201945941
Deed Book / Page	10771 / 88
Record Updated	Oct 29, 2026

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 7, 2019
Property Address	1539 SWAN LAKE CIR, DUNDEE, FL 33838-4379
Document Number	0107710088
Book / Page	010771 / 000088
Instrument Date	Feb 28, 2019
Instrument	45941
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 22, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,392.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1539 SWAN LAKE CIR DUNDEE FL 338384379, DUNDEE, FL 33838-4379

Mortgage

Document Number	107710089
Date	Mar 7, 2019
Book Page	010771/000089
Instrument	45942

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 19, 2017
Property Address	1539 SWAN LAKE CIR, DUNDEE, FL 33838-4379
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

The 2025 property tax bill for 1539 Swan Lake Cir was $3,054 with a homeowner's exemption.

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		$201,908 (+2.7%)	$211,061 (-4%) Land $42,000 Building $169,061
2025	$3,054.00 Homeowner's exemption	$196,600	$219,849 Land $42,000 Building $177,849
2023	$3,006.00 (+3.02%) Homeowner's exemption	$185,494 (+3%)	$247,972 (+8.74%) Land $40,000 Building $207,972
2022	$2,918.00 Homeowner's exemption	$180,091	$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 1539 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 1539 Swan Lake Cir is moderate, ranking above 61% 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 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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.

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