1603 Swan Lake Cir, Dundee, FL 33838 Property Records

Polk County property record for 1603 Swan Lake Cir, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,563 sqft · built 2021
Lot Size	0.174 acres (7,579 sqft)
Owner	2 Individual Names on File
Last Sale	$267,900 (Jan 2022)
Tax Bill	$4,531 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jan 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-27-835826-000110`

Property Details

APN / Parcel Number

Primary APN	`27-28-27-835826-000110`
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

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	7,579 sqft (0.174 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	419 sqft
Porch	Florida Room

Location & Zoning

Street Address	1603 SWAN LAKE CIR
City	DUNDEE
State	FL
Zip	33838-4385
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RIDGE AT SWAN LAKE PB 146 PG 38-40 LOT 11
Legal Range	27E
Legal Township	28S
Legal Section	27
Legal Subdivision	RIDGE AT SWAN LAKE
Legal Tract	835826
Legal Block	1
Legal Lot Number	11
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1062
Census Tract	14121

Owner

1603 Swan Lake Cir is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1603 SWAN LAKE CIR, DUNDEE, FL 33838-4385
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
Jan 4, 2022	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jan 8, 2021	Grant Deed, Transfer EMPOWER TITLE
Jan 29, 2018	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2022 · Amount on File
Deed Sale	Jan 4, 2022 · Amount on File
Deed Document Number	20221505
Deed Book / Page	12056 / 1192
Record Updated	Oct 29, 2026

January 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 4, 2022
Property Address	1603 SWAN LAKE CIR, DUNDEE, FL 33838-4385
Document Number	0000001505
Book / Page	12056 / 1192
Map Reference	MB 146 PG 38-40
Instrument Date	Oct 15, 2021
Instrument	2022001505
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 23, 2023
Title Company	EMPOWER TITLE, EMPOWER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1450 LAKE ROBBINS DR # DR430, DR430, THE WOODLANDS, TX 77380-3258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 SWAN LAKE CIR, DUNDEE, FL 33838-4385

Mortgage

Document Number	0120561194
Date	Jan 4, 2022
Instrument	12056/1194

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2051

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 8, 2021
Property Address	1603 SWAN LAKE CIR, DUNDEE, FL 33838-4385
Document Number	0115311200
Book / Page	011531 / 001200
Instrument Date	Dec 15, 2020
Instrument	6063
Transaction Type	Transfer
Record Updated	Jan 22, 2021
Title Company	EMPOWER TITLE

Transaction

Amount	Amount on Record
Tax	$12,824.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1450 LAKE ROBBINS DR #430 THE WOODLANDS TX 773803294, 430, THE WOODLANDS, TX 77380-3294
Investor	Possibly a Property Investor

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Recording Date	Jan 29, 2018
Property Address	1603 SWAN LAKE CIR, DUNDEE, FL 33838-4385
Document Number	0103801736
Book / Page	010380 / 001736
Instrument Date	Jan 19, 2018
Instrument	20840
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1731 BOGGY CREEK RD KISSIMMEE FL 34744, KISSIMMEE, FL 34744

Mortgage

Document Number	103801736
Date	Jan 29, 2018
Book Page	010380/001736
Instrument	20840

Lender

Name	CENTENNIAL BK
Type	Bank
Address	625 N CENTRAL AVE, KISSIMMEE, FL 34741-5006

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 1603 Swan Lake Cir was $4,531.

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		$217,452 (-3.99%) Land $42,000 Building $175,452	$217,452 (-3.99%) Land $42,000 Building $175,452
2025	$4,531.00	$226,483 Land $42,000 Building $184,483	$226,483 Land $42,000 Building $184,483
2023	$5,251.00 (+8.99%)	$253,381 (+10.01%) Land $40,000 Building $213,381	$253,381 (+10.01%) Land $40,000 Building $213,381
2022	$4,818.00	$230,326 Land $34,000 Building $196,326	$230,326 Land $34,000 Building $196,326

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

Flood

FEMA maps place 1603 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 1603 Swan Lake Cir is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% 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	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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