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3577 Spring Creek Rd, Dundee, FL 33838 Property Records

Polk County property record for 3577 Spring Creek Rd, Dundee, FL 33838

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,792 sqft · built 2017
Lot Size0.223 acres (9,727 sqft)
Owner2 Individual Names on File
Last Sale$179,900 (Jun 2017)
Tax Bill$3,003 (2025)
Deeds & MortgagesNov 2023 Mortgage
Jan 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN27-28-26-835302-001280

Property Details

APN / Parcel Number

Primary APN27-28-26-835302-001280
Alternative APNs
  • 262827835302001280
  • 62827000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,792 sqft Living Area
Gross Area2,192 sqft
1st Floor Area1,792 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area9,727 sqft (0.223 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area400 sqft
PorchFinished/Open Porch
Porch Area60 sqft

Location & Zoning

Street Address3577 SPRING CREEK RD
CityDUNDEE
StateFL
Zip33838-4409
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMABEL LOOP RIDGE SUBDIVISION PHASE 1 A REPLAT PB 151 PGS 15 THRU 19 LOT 128
Legal Range27E
Legal Township28S
Legal Section26
Legal SubdivisionMABEL LOOP RIDGE SUBDIVISION PHASE 1 A R
Legal Phase1
Legal Tract835302
Legal Block1
Legal Lot Number128
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group1
Census Block1061
Census Tract14121

Owner

3577 Spring Creek Rd is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record2 Individual Names on File
Mailing Address3577 SPRING CREEK RD, DUNDEE, FL 33838-4409
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 2, 2023Deed of Trust, Mortgage · FHA Mortgage
M & T BANK
Jan 23, 2019Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jun 13, 2017Grant Deed, Subdivision Related Transfer · FHA Mortgage
WATERSTONE MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 13, 2017 · Amount on File
Deed SaleJun 13, 2017 · Amount on File
Deed Document Number2017112256
Deed Book / Page10174 / 1503
Record UpdatedOct 29, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3577 SPRING CREEK RD, DUNDEE, FL 33838-4409
Transaction TypeMortgage
Record UpdatedNov 15, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3577 SPRING CREEK RD, DUNDEE, FL 33838-4409

Mortgage

Document Number0000259555
DateNov 2, 2023
Book Page12895/2101
Instrument2023259555
Lender
NameM & T BANK
TypeBank
AddressGETZVILLE, NY 14068
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term333 Months
DueAug 1, 2051

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address3577 SPRING CREEK RD, DUNDEE, FL 33838-4409
Document Number0107431018
Instrument DateJan 23, 2019
Transaction TypeMortgage
Record UpdatedFeb 20, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3577 SPRING CREEK RD DUNDEE FL 338384409, DUNDEE, FL 33838-4409

Mortgage

Document Number0107431018
DateFeb 6, 2019
Book Page010743/001018
Instrument24519
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term336 Months
DueFeb 5, 2047

June 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJun 13, 2017
Property Address3577 SPRING CREEK RD, DUNDEE, FL 33838-4409
Document Number0101741503
Book / Page010174 / 001503
Instrument DateMay 4, 2017
Instrument112256
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 2, 2017
Title CompanySTEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,259.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3577 SPRING CREEK RD DUNDEE FL 338384409, DUNDEE, FL 33838-4409

Mortgage

Document Number101741504
DateJun 13, 2017
Book Page010174/001504
Instrument112257
Lender
NameWATERSTONE MTG
TypeMortgage Company
AddressPEWAUKEE, WI 53072
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3577 Spring Creek Rd was $3,003 with a homeowner's exemption.

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$199,260 (+2.7%)$227,283 (-8.46%) Land $35,000 Building $192,283
2025$3,003.00 Homeowner's exemption$194,021$248,292 Land $35,000 Building $213,292
2023$2,957.00 (+3.03%) Homeowner's exemption$183,061 (+3%)$251,082 (+9.95%) Land $34,000 Building $217,082
2022$2,870.00 Homeowner's exemption$177,729$228,354 Land $28,000 Building $200,354

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

Flood

FEMA maps place 3577 Spring Creek Rd 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 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

Wildfire risk around 3577 Spring Creek Rd is moderate, ranking above 60% 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 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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