3809 Spring Creek Rd, Dundee, FL 33838 Property Records

Polk County property record for 3809 Spring Creek Rd, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2016
Lot Size	0.229 acres (9,984 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Jan 2020)
Tax Bill	$134 (2024)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Oct 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-26-835302-000390`

Property Details

APN / Parcel Number

Primary APN	`27-28-26-835302-000390`
Alternative APNs	`262827835302000390` `62827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,000 sqft
1st Floor Area	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,984 sqft (0.229 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	91 sqft

Location & Zoning

Street Address	3809 SPRING CREEK RD
City	DUNDEE
State	FL
Zip	33838-4436
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 39
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	39
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1054
Census Tract	14121

Owner

3809 Spring Creek Rd is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3809 SPRING CREEK RD, DUNDEE, FL 33838-4436
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 10, 2020	Grant Deed, Transfer · VA Mortgage CARRINGTON MTG SVCS
Oct 1, 2018	Loan Modification, Mortgage · FHA Mortgage AMERIHOME MTG
Jun 27, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2020 · Amount on File
Deed Sale	Jan 10, 2020 · Amount on File
Prior Sale	Aug 29, 2016 · Amount on File
Deed Document Number	20207240
Deed Book / Page	11103 / 1549
Record Updated	Oct 29, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 10, 2020
Property Address	3809 SPRING CREEK RD, DUNDEE, FL 33838-4436
Document Number	0111031549
Book / Page	011103 / 001549
Instrument Date	Jan 9, 2020
Instrument	7240
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	FLORIDA TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3809 SPRING CREEK RD DUNDEE FL 338384436, DUNDEE, FL 33838-4436

Mortgage

Document Number	111031551
Date	Jan 10, 2020
Book Page	011103/001551
Instrument	7241

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2050

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	3809 SPRING CREEK RD, DUNDEE, FL 33838-4436
Document Number	0107021944
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3809 SPRING CREEK RD DUNDEE FL 338384436, DUNDEE, FL 33838-4436

Mortgage

Document Number	0107021944
Date	Dec 20, 2018
Book Page	010702/001944
Instrument	262906

Lender

Name	AMERIHOME MTG
Type	Mortgage Company
Address	EWING, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Dec 19, 2046

Interest

Rate Type	Fixed Rate
Rate	4.62%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3809 SPRING CREEK RD, DUNDEE, FL 33838-4436
Document Number	0106572202
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3809 SPRING CREEK RD DUNDEE FL 338384436, DUNDEE, FL 33838-4436

Mortgage

Document Number	0106572202
Date	Oct 31, 2018
Book Page	010657/002202
Instrument	229377

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Oct 30, 2046

Tax Assessment & Valuation

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		$212,236 (-7.2%) Land $35,000 Building $177,236	$212,236 (-7.46%) Land $35,000 Building $177,236
2025		$228,694	$229,347 Land $35,000 Building $194,347
2024	$134.00
2023	$134.00 (-96.19%) Homeowner's exemption	$215,776 (+3%)	$233,768 (+11.59%) Land $34,000 Building $199,768
2022	$3,516.00 Homeowner's exemption	$209,491 Land $28,000 Building $181,491	$209,491 Land $28,000 Building $181,491

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

Flood

FEMA maps place 3809 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 3809 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

Nearby Properties on Spring Creek Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures