3588 Spring Creek Rd, Dundee, FL 33838 Property Records

Polk County property record for 3588 Spring Creek Rd, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 2015
Lot Size	0.227 acres (9,875 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Aug 2022)
Tax Bill	$4,905 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-28-26-835302-000280`

Property Details

APN / Parcel Number

Primary APN	`27-28-26-835302-000280`
Alternative APNs	`262827835302000280` `62827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,634 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	1,634 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,875 sqft (0.227 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Florida Room
Porch Area	286 sqft

Location & Zoning

Street Address	3588 SPRING CREEK RD
City	DUNDEE
State	FL
Zip	33838-4408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MABEL LOOP RIDGE SUBDIVISION PHASE 1 A REPLAT PB 151 PGS 15 THRU 19 LOT 28
Legal Range	27E
Legal Township	28S
Legal Section	26
Legal Subdivision	MABEL LOOP RIDGE SUBDIVISION PHASE 1 A R
Legal Phase	1
Legal Tract	835302
Legal Block	1
Legal Lot Number	28
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1058
Census Tract	14121

Owner

3588 Spring Creek Rd is owned and occupied by two individuals who bought it in August 2022.

Source: Polk County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3588 SPRING CREEK RD, DUNDEE, FL 33838-4408
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
Aug 29, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 20, 2018	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2022 · Amount on File
Deed Sale	Aug 29, 2022 · Amount on File
Prior Sale	Aug 20, 2018 · Amount on File
Deed Document Number	2022234722
Deed Book / Page	12397 / 1110
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 29, 2022
Property Address	3588 SPRING CREEK RD, DUNDEE, FL 33838-4408
Document Number	0000234722
Book / Page	12397 / 1110
Map Reference	MB 151 PG 15-19
Instrument Date	Aug 15, 2022
Instrument	2022234722
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2020 W FROSTPROOF RD, 2020, FROSTPROOF, FL 33843-9248

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3588 SPRING CREEK RD, DUNDEE, FL 33838-4408

Mortgage

Document Number	0123971112
Date	Aug 29, 2022
Instrument	12397/1112

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 20, 2018
Property Address	3588 SPRING CREEK RD, DUNDEE, FL 33838-4408
Document Number	0105850865
Book / Page	010585 / 000865
Instrument Date	Aug 15, 2018
Instrument	176567
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	RIDGE SECURITY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Confirmed
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	3588 SPRING CREEK RD DUNDEE FL 338384408, DUNDEE, FL 33838-4408

Mortgage

Document Number	105850867
Date	Aug 20, 2018
Book Page	010585/000867
Instrument	176568

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3588 Spring Creek Rd was $4,905.

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		$224,835 (-8.3%) Land $35,000 Building $189,835	$224,835 (-8.3%) Land $35,000 Building $189,835
2025	$4,905.00	$245,194 Land $35,000 Building $210,194	$245,194 Land $35,000 Building $210,194
2023	$5,130.00 (+94.39%)	$247,366 (+48.68%) Land $34,000 Building $213,366	$247,366 (+11.78%) Land $34,000 Building $213,366
2022	$2,639.00 Homeowner's exemption	$166,372	$221,293 Land $28,000 Building $193,293

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

Flood

FEMA maps place 3588 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 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 3588 Spring Creek Rd 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 63% 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 129 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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