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3544 Spring Creek Rd, Dundee, FL 33838 Property Records

Polk County property record for 3544 Spring Creek Rd, Dundee, FL 33838

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,848 sqft · built 2014
Lot Size0.247 acres (10,751 sqft)
OwnerIndividual Name on Record
Last Sale$100 (Nov 2025)
Tax Bill$3,097 (2025)
Deeds & MortgagesDec 2021 Mortgage
Nov 2025 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN27-28-26-835302-000170

Property Details

APN / Parcel Number

Primary APN27-28-26-835302-000170
Alternative APNs
  • 262827835302000170
  • 62827000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,848 sqft Living Area
Gross Area2,548 sqft
1st Floor Area1,848 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area10,751 sqft (0.247 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchFlorida Room
Porch Area336 sqft

Location & Zoning

Street Address3544 SPRING CREEK RD
CityDUNDEE
StateFL
Zip33838-4408
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMABEL LOOP RIDGE SUBDIVISION PHASE 1 A REPLAT PB 151 PGS 15 THRU 19 LOT 17
Legal Range27E
Legal Township28S
Legal Section26
Legal SubdivisionMABEL LOOP RIDGE SUBDIVISION PHASE 1 A R
Legal Phase1
Legal Tract835302
Legal Block1
Legal Lot Number17
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group1
Census Block1058
Census Tract14121

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3544 SPRING CREEK RD, DUNDEE, FL 33838-4408
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 6, 2021Deed of Trust, Mortgage · VA Mortgage
CALIBER HOME LOANS INC
Nov 12, 2025Quit Claim Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Nov 1, 2019Deed of Trust, Mortgage
CALIBER HM LOANS
Nov 1, 2019Loan Modification, Mortgage · FHA Mortgage
CALIBER HM LOANS
Dec 31, 2018Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 12, 2025 · Amount on Record
Deed SaleNov 12, 2025 · Amount on Record
Prior SaleDec 31, 2018 · Amount on Record
Deed Document Number2025267888
Deed Book / Page13775 / 674
Prior Transfer DateOct 24, 2025
Prior Transfer Doc0000267888
Record UpdatedOct 29, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3544 SPRING CREEK RD, DUNDEE, FL 33838-4408
Transaction TypeMortgage
Record UpdatedDec 1, 2025
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address3544 SPRING CREEK RD, DUNDEE, FL 33838-4408
InvestorPossibly a Property Investor

Mortgage

Document Number0000315932
DateDec 6, 2021
Book Page12011/2005
Instrument2021315932
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2051

November 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateNov 12, 2025
Property Address3544 SPRING CREEK RD, DUNDEE, FL 33838-4408
Document Number0000267888
Book / Page13775 / 674
Map ReferenceMB 151 PG 15-19
Instrument DateOct 24, 2025
Instrument2025267888
Transaction TypeTransfer
Record UpdatedJan 13, 2026
Title CompanyFIDELITY NATIONAL TTL OF OR

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1010 WINDSOR RD UNIT 310, 310, DAVENPORT, FL 33837-7796

Transferred To (Grantee/Buyer)

NameVerified Name
Address3544 SPRING CREEK RD, DUNDEE, FL 33838-4408
InvestorPossibly a Property Investor

Mortgage

Document Number0013775676
DateNov 12, 2025
Instrument13775/676
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3544 SPRING CREEK RD, DUNDEE, FL 33838-4408
Document Number0111521839
Instrument DateNov 1, 2019
Transaction TypeMortgage
Record UpdatedMar 19, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address3544 SPRING CREEK RD DUNDEE FL 338384408, DUNDEE, FL 33838-4408

Mortgage

Document Number0111521839
DateFeb 25, 2020
Book Page011152/001839
Instrument43076
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressOKLAHOMA CITY, OK 73134
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 24, 2050

November 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address3544 SPRING CREEK RD, DUNDEE, FL 33838-4408
Document Number0110861461
Instrument DateNov 1, 2019
Transaction TypeMortgage
Record UpdatedJan 15, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address3544 SPRING CREEK RD DUNDEE FL 338384408, DUNDEE, FL 33838-4408

Mortgage

Document Number0110861461
DateDec 27, 2019
Book Page011086/001461
Instrument273686
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressOKLAHOMA CITY, OK 73134
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 26, 2049
Interest
Rate TypeFixed Rate
Rate4.25%

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 31, 2018
Property Address3544 SPRING CREEK RD, DUNDEE, FL 33838-4408
Document Number0107100283
Book / Page010710 / 000283
Instrument DateDec 28, 2018
Instrument268355
Transaction TypeTransfer
Record UpdatedJan 15, 2020
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,435.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3544 SPRING CREEK RD DUNDEE FL 338384408, DUNDEE, FL 33838-4408

Mortgage

Document Number107100285
DateDec 31, 2018
Book Page010710/000285
Instrument268356
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 30, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityDundee Town
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$204,111 (+2.7%)$244,705 (-8.32%) Land $38,000 Building $206,705
2025$3,097.00 (-1.12%) Homeowner's exemption$198,745 (+2.9%)$266,922 (-3.76%) Land $38,000 Building $228,922
2024$3,132.00 (+2.79%) Homeowner's exemption$193,144 (+3%)$277,340 (+2.93%) Land $38,000 Building $239,340
2023$3,047.00 (+3.01%) Homeowner's exemption$187,518 (+3%)$269,450 (+11.39%) Land $37,000 Building $232,450
2022$2,958.00 Homeowner's exemption$182,056$241,891 Land $31,000 Building $210,891

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims4 (2002–2004)
Claims Outside the SFHA2 of 4
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 60% of the US · lower than 65% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemTOWN OF DUNDEE
serves 3,824 people · EPA ID FL6530485
Water SourceGroundwater
Last State InspectionDec 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

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

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Ethylene dibromide
resolved · Jan 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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 129 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35

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